CompoundYOU'RE
SITTING ON
A TAX-FREE
RETIREMENT FUND
Let's find out how much you're leaving on the table.
avg. unreimbursed receipts found
of HSA holders never invest their balance
tax-free potential over a 30-year horizon
Are you maximizing your $4,850 catch-up contribution?
Americans 55+ can contribute $4,850 above the standard limit — a benefit most HR departments never explain at open enrollment.
- Standard HSA contribution limit met ($4,150)
- $4,850 catch-up contribution added (age 55+)
- Employer match fully captured
- Both spouses contributing if eligible
- Contribution deadline tracked (April 15)
Your HSA can invest in index funds. Not just sit in cash.
87% of HSA holders leave their balance in a default money market account earning under 1%. The same account can hold Vanguard index funds growing at 7%+ annually — triple tax-free.
"I had $38,000 in a money market account for six years. That's $14,000 I didn't earn." — David Okonkwo, 62, San Jose
of HSA balances never leave cash
Do you have a shoebox of unreimbursed medical receipts?
There is no time limit to reimburse yourself from your HSA. If you paid out-of-pocket since opening your account — even 12 years ago — every receipt is a tax-free withdrawal waiting to happen.
- HSA opened and contribution date recorded
- All out-of-pocket receipts since inception collected
- Receipts totaled and documented
- Reimbursement strategy reviewed with advisor
- Digital backup of receipts created
Enrolling in Medicare Part A kills your HSA contributions.
The day you enroll in Medicare Part A — even if still working — your HSA contribution window closes permanently. Most people discover this 6 months too late, after the retroactive enrollment backdates.
retroactive Medicare enrollment window that catches people off guard
If you're 65+ and still working, enrolling in Medicare Part A retroactively backdates 6 months — which may create an HSA overcontribution penalty. Timing this correctly is worth thousands.
Free money sitting in your benefits portal.
63% of employers contribute to employee HSAs — yet most employees don't know the match amount, the vesting schedule, or whether they're capturing it fully.
"My company puts in $1,500 a year. I didn't know until year four. That's $4,500 I just didn't pick up." — Theresa Nakamura, 59, Portland
of employers offer HSA contributions employees never maximize
$5,000 HSA Balance · 15-Year Horizon
Invested at 7% avg. annual return vs. sitting in cash
tax-free gap left on the table
projected value in 2041
The $20 bill in the coat pocket —
multiplied by thousands.
"I found $23,000 in receipts from my husband's cancer treatment in 2019. I had no idea I could still reimburse myself tax-free. That was a Tuesday afternoon that changed our retirement."
"My HSA had $41,000 sitting in a money market account earning 0.01%. Compound showed me how to move it into index funds. I'm now on track to have $180,000 by 70 — all tax-free."
"I almost enrolled in Medicare Part A at 64 without realizing it would have killed my catch-up contributions. That one timing insight saved me $4,850 in tax-free contributions."
"My employer was putting in $1,200 a year and I was leaving it in cash. I feel like I've been handed back money I already earned."
Find out your scorebefore it's too late.
Every month your HSA sits uninvested, you're leaving compounding gains on the table. Every year you don't audit your receipts, that reimbursable pile grows — and so does the regret.
7 questions · Personalized A–F grade · 3 specific action items