Subject: Re: Opened HSA 2026
We've had an HSA for several years, courtesy of my wife's employer before she retired (we both have been for several years). That list of incidentals can be a heavy drain on the HSA if it's used for those.

I might not have been clear on the strategy. There's no requirement when you make the HSA withdrawal. The delayed reimbursement is the superpower. So money for things like contact solution and sunscreen that you're buying today anyway can be withdrawn in the future after years of tax free compounding. You simply have to track those expenses.