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This is a bit of an aside to the conversation, but HSA expenses don't have to be withdrawn in the year of the expense. They can be withdrawn in any future year, as long as you have documented the expenses.

Correct, but I would add the caveat that the documented medical expenses need to have been from after you opened and funded the HSA - so you can't claim the expenses from the tonsillectomy you had in 1975, for instance.

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