Health Savings Account (HSA)

Okay, hear me out. HSAs are a cheat code: tax break going in, tax-free growth, tax-free spending on qualified healthcare. So much qualifies—doctor visits, prescriptions, dental, even sunscreen.

And there’s no deadline to reimburse yourself for eligible expenses incurred after opening your HSA. Save your receipts, invest the money, and cash them in decades later.

At 7% annual growth, $1,000 could become $7,600 in 30 years.