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Does an HSA Make Sense for Me?

2024/11/6

Ramsey Everyday Millionaires

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Brandon

为听众提供实用和可行的财务建议的金融专家和广播主持人。

Ramsey Show Host

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Brandon: 我今年刚开始使用HSA，并且预计未来几年医疗费用仍然很高。即使考虑到复利，HSA是否仍然值得持有？ Ramsey Show Host: HSA是否适合您取决于您的医疗支出情况。如果您有大量的合格医疗费用，HSA可以帮助您支付这些费用并避免税收。如果您将HSA视为投资工具，并且医疗支出较低，那么HSA是一个不错的选择，但它应该在您的401k和Roth IRA之后考虑。如果您已经最大化了401k和Roth IRA的投资，那么HSA可以作为额外的退休储蓄工具。但是，不要过度投资于HSA，而应该优先考虑其他退休储蓄计划。如果您将HSA用于支付医疗费用，那么这是一个好选择，但不要过度投资。总而言之，如果您同时最大化401k，Roth IRA和HSA的投资，那么您就等于赢得了生活。

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