# 3446: The Health Savings Account Strategy That Not Enough People Are Talking About by Rynda Chappell-Wilk with Financial Finesse

Page: https://stenobird.com/podcast/optimal-health-daily-fitness-and-nutrition-323906/3446-the-health-savings-account-strategy-that-not-enough-people-are-talking-about-by-rynda-chappell-wilk-with-financial-finesse
Text version: https://stenobird.com/podcast/optimal-health-daily-fitness-and-nutrition-323906/3446-the-health-savings-account-strategy-that-not-enough-people-are-talking-about-by-rynda-chappell-wilk-with-financial-finesse.md
Podcast: [Optimal Health Daily - Fitness and Nutrition](https://stenobird.com/podcast/optimal-health-daily-fitness-and-nutrition-323906)
Published: 2026-06-28T07:00:00+00:00
Episode link: https://traffic.megaphone.fm/OLD3004290728.mp3
Audio file: https://traffic.megaphone.fm/OLD3004290728.mp3
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Duration seconds: 589

## Resource

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3446: Rynda Chappell-Wilk highlights a surprisingly flexible Health Savings Account strategy: qualified medical expenses can be reimbursed years or even decades after they were incurred, as long as proper records are kept. By allowing HSA funds to remain invested and grow tax-free while paying medical costs out of pocket, this approach can create a powerful pool of tax-advantaged money that may provide valuable flexibility in retirement and income-planning decisions. Read along with the original article(s) here: https://www.financialfinesse.com/2017/10/17/the-health-savings-account-strategy-that-not-enough-people-are-talking-about/ Quotes to ponder: "If you qualify for a subsidy for your health insurance through the Affordable Care Act, you should be aware that your subsidy is only good up to certain income limits." "You can also take the money out for non-medical expenses after you turn age 65 and pay income tax on the withdrawal but incur no penalty." "If you can fund part of your lifestyle with HSA money (which won’t increase your AGI), you may be able to pay less tax on your social security income." Episode references: Health Savings Accounts (IRS): https://www.irs.gov/publications/p969 Learn more about your ad choices. Visit megaphone.fm/adchoices

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