"Unlike every other retirement vehicle, such as IRAs and 401(k)s, you receive a tax deduction for making contributions to your HSA but don't have to pay income taxes on withdrawals."

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As long as a man is persuaded that he can make even the smallest contribution to his salvation, he remains self-confident and does not utterly despair of himself, and so is not humbled before God. Such a man plans out for himself a position, an occasion, a work, which shall bring him final salvation, but which will not.

— Martin Luther