<prompt> Human: So Ive accrued about 8k in medical expenses recently. This is the first year I have had an HSA and Ive set to contribute the maximum 3.4k. Im currently in the 25 tax bracket. I have enough in the bank to pay this off right now. Im wondering if I empty my HSA to contribute to this as Id essentially be getting a discount equal to my tax rate. Is there no time limit on what medical expenses you can withdraw for? Lets say I wait a few years until the HSA balance is over 8k. Could I make the withdrawal then and have a nice chunk of change to put in other investments?25 years old right now.Assistant: Withdraw from the HSA when you have medical expenses. The HSA then becomes a way to pay for medical expenses from pre-tax money.If you are healthy and dont have any medical expenses, the HSA can turn into a very useful extra tax advantaged retirement account. But, that is not its main purpose.Good luck.Human: If I withdraw the 3.4k Im allowed to contribute this year to go toward my medical expense can I withdraw next years 3.4k as well to go toward the same medical expense?  <response>: Yes, you can reimburse yourself for prior year medical expenses, as long as the expenses occurred after the HSA was opened. Keep good records. 