Health Savings Accounts might be the best savings vehicle available

Health Savings Accounts (HSAs) I have spent many hours discussing the relative advantages and disadvantages of Roth 401(k)s versus Traditional 401(k)s. The answer in that debate? It depends ... but what if you could have the best of both? While Roth plans generally give you tax-free distributions, you pay taxes prior to contributing dollars to the plan. Conversely, Traditional plans allow your contributions to avoid current taxation, however you pay taxes on your distributions. So the IRS gets you on the way in or on the way out. However ... HSAs generally allow you to take a tax deduction on your contribution (like the Traditional) and gives you tax free distributions (like the Roth). The [...]