Subjectively , do you really want the Powers That Be deciding whose genes are worthy ? Objectively , would they really ' improve ' the human race , or would they breed compliant easytodealwith stupid people who do what they ' re told ? <| sep |> I ' m a bit picky , and I dislike most of the traditional Thanksgiving food , so I basically save myself for pie <| sep |> It may be obvious , but it ' s still worth sciencing so we understand explicitly . <| sep |> Right now , you can withdraw HSA funds taxfree at any point for qualified medical expenses , but if you use them for nonmedical expenses , you ' ll owe tax on those withdrawals . And if you withdraw money before age 65 for nonmedical expenses , you could incur a 20 % penalty . a b o u t h s asandretirementPersonally , if you are only planning to be in the US under five years , I wouldn ' t bother with the HSA . For residents , however , it is a great retirement savings tool as the money in the HSA can also be invested once the balance grows past some minimum and taxfree withdrawals for healthrelated expenses is a great deal something that will always be a necessity as you get older .