Directed IRA Podcast The Hidden Secrets About HSAs That Will Blow Your Mind
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In this episode of the Directed IRA Podcast, Mat Sorensen and Mark Kohler unpack one of the most overlooked yet powerful tax-advantaged accounts available—the Health Savings Account (HSA). Often dismissed as a simple medical savings tool, the HSA actually offers a triple tax benefit: tax deductions for contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses—at any age.
Mat and Mark explain how to qualify for and fund an HSA, the contribution limits for 2025 (including catch-up contributions), and why they rank the HSA alongside the Roth IRA as a top wealth-building priority. They also reveal how you can invest your HSA beyond savings accounts and mutual funds, using a self-directed HSA to buy assets like real estate, crypto, livestock, and private investments—keeping all gains in the account tax-free.
Through real-life examples, including ranch cattle investments and rental properties, they illustrate how creative investors are compounding returns inside their HSAs for future medical costs. They also discuss strategic withdrawal planning—why delaying reimbursements can supercharge your tax-free compounding—and review what qualifies as a medical expense under IRS rules, from dental work and prescription drugs to service animals and long-term care premiums.
If you’ve ever thought an HSA was just for paying your doctor bills, this episode will change your perspective and show you how to turn it into a dynamic, tax-free wealth-building vehicle.
Chapters
- 00:00 - Introduction to HSA Triple Tax Benefit
- 02:09 - HSA Eligibility and Contribution Limits
- 10:30 - Self-Directing Your HSA Investments
- 16:14 - Livestock and Creative HSA Investments
- 20:56 - Reimbursing Medical Expenses Strategically
- 25:30 - Qualifying Medical Expenses and Planning
- 30:15 - Final Tips and AltAsset Summit
Directed IRA Homepage: https://directedira.com/
Directed IRA Explore (Linktree):
Directed IRA Homepage: https://directedira.com/
Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA
Book a Call: https://directedira.com/appointment/
Other:
Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen
KKOS: https://kkoslawyers.com
Main Street Business https://mainstreetbusiness.com