<prompt> Human: Weve had an HSA since 2008 and contributed the maximum every year. With the exception of about 1,500 in dental work one year, weve never made a withdrawal. We now have 10,000 in the cash account and 35,000 with HSA Administrators in Vanguards Wellington fund. Was considering directing future contributions to an all stock Vanguard account. Were keeping healthcare related receipts about 15,000 to date so we can withdraw funds tax and penalty free one day. Are we going overboard here?  <response>: Were keeping healthcare related receipts about 15,000 to date so we can withdraw funds tax and penalty free one day. I believe this is only helpful if you are maxing out all of your tax advantaged accounts. You can use those funds tax and penalty free now for health expenses. So the only point in paying healthcare expenses with cash now is to maximize the amount of money you have growing tax freedeferred. If you arent maxing out your IRA or 401k then you should instead probably be paying for healthcare related expensesedit: out of your HSA and contributing to your other retirement accounts with the cash instead. HSAs in my experience have more fees than whats available for IRAs. I also have pretty good 401k fund options that are also cheaper than the HSAs Ive looked into, but YMMV.Im not saying you shouldnt max out HSA contributions, because you should. The FICA tax deduction is great! But theres not much sense in saving your HSA money for later if you could use it now and arent fully utilizing your other tax advantage accounts.edit: One exception that was explained in a link posted below by uslowporc is if you plan an early retirement. IRA and 401k have age restrictions on distributions. If you save your receipts then you can withdraw the amount youve spent on health expenses at any time. 