Do You Spend or Save Your HSA Dollars?

Jenna asks OG, we're a family of four with two kids under five, one with asthma. We max out our HSA for the tax benefit, but I also use it to pay off our out of pocket medical expenses. What should stackers do? So does she use the after tax funds and leave the money invested? Or does she spend those dollars? Well, there's two sides to it. One is the complexity of keeping track of all of the expenses that you're accumulating into the future. If you don't have those in the same year, then you have to hang on to them for future years. But if you're 30 and you're thinking about keeping your H