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Reply to "What's your ideal target for an HSA?"
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[quote=Anonymous]IMO, I think it is better to spend down HSA balances once you reach retirement age. If you die with a large HSA balance and someone other than your spouse inherits it, the entire balance will be taxable as income in that year to your beneficiary. From an estate planning perspective it’s better for your kids to inherit a a given 401k balance than it is to inherit the same amount in an HSA. At least for the 401k they can spread the taxable amount over multiple years to minimize the income taxes paid on the inheritance. [/quote]
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