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Health Savings Accounts (HSAs): A Triple Tax Advantage
Trivia: Which game show popularized the catchphrase “Is that your final answer?” (U.S. debut 1999)?
RetireHub
October 27, 2025
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Rise and shine, RetireHub community! ☀️ Your Monday newsletter is here!
Today we’re sharing smart tips on Health Savings Accounts (HSAs): A Triple Tax Advantage, along with the best deals, fun trivia, and more!
Top Deals From Around The Web
We find the best daily online deals so you don’t have to!
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What We’re Reading
Get these e-book deals before they’re gone.
 | By: Angie Fox Southern belle Verity Long, more comfortable with her pet skunk than high society, is shocked when she’s invited into Sugarland’s elite social circle—only to discover she’s been hired to investigate spooky goings-on at their historic clubhouse. As she dives into the mystery with help from her ghostly sidekick Frankie and her crush, Deputy Ellis Wydell, Verity uncovers more than just gossip—including a very real murder. With spirits whispering warnings and socialites distracted by her vintage green Cadillac, Verity may be in deeper than she thinks—especially when the ghosts hint that her own time as a ghost hunter might be running out. |
On this day in 1787, the first of the famed The Federalist Papers—often written under the pen name “Publius”—was published in a New York newspaper, advocating for the ratification of the U.S. Constitution. These essays would go on to play a key role in shaping American government by arguing for checks, balances, and federal oversight.
Health Savings Accounts (HSAs): A Triple Tax Advantage You Shouldn’t Overlook
If you're looking for a smart way to save on healthcare costs while investing in your future, a Health Savings Account (HSA) might be the financial tool you didn’t know you needed. Designed for individuals with high-deductible health plans (HDHPs), HSAs offer a unique trio of tax advantages that make them one of the most efficient savings vehicles available.
Here’s how it works: You contribute pre-tax dollars into your HSA, which lowers your taxable income for the year—meaning more money stays in your pocket. Those funds can then be used for a wide range of qualified medical expenses, from prescriptions and copays to dental and vision care. If you don’t use all the money in a given year, no problem—it rolls over and grows year after year, and can even be invested for potential long-term growth.
The real magic lies in the triple tax advantage:
Contributions are tax-deductible (or pre-tax if made through payroll).
Earnings grow tax-free (if you invest your HSA funds).
Withdrawals for qualified medical expenses are tax-free.
It’s like having a retirement account just for your health—but better in some ways. Once you turn 65, you can even use your HSA for non-medical expenses (you'll just pay regular income tax, similar to a traditional IRA). No penalties. And if you do use it for health care, the distributions remain tax-free.
Another bonus? HSAs are portable. That means the account stays with you even if you change jobs, switch insurance plans, or retire. Unlike Flexible Spending Accounts (FSAs), which often follow a “use-it-or-lose-it” model, your HSA grows with you.
That said, not everyone qualifies. You must be enrolled in a high-deductible health plan to open and contribute to an HSA. And while contribution limits are generous, they do change annually—so it’s good to check the latest guidelines.
For anyone looking to take more control of their healthcare spending and retirement planning, HSAs are a powerful tool to consider. They're not just for medical costs—they're for peace of mind.
Have you ever used a Health Savings Account (HSA)? |
Yesterday’s Poll Results: If you were to join a dinner club, what would appeal to you most?
The results are in—and potlucks reign supreme! 39% of respondents said they’d love a rotating potluck-style dinner club where everyone brings a dish, proving that shared meals and shared effort are a winning combo. Themed meals like “Italian Night” or “Family Recipes” came in next with 19%, while nearly a quarter (24%) said they prefer to dine solo or with close family. Whether you’re a social butterfly or a quiet foodie, it’s clear that breaking bread can take many delicious forms.
TOP COMMENTS
“How about a dinner club where a different restaurant is chose by the group each month or whenever.”
“Healthy choice potlucks would be great for health conscious people. A mellow walk after dinner would be great. Also, card or board games?”
“I am part of a group “Girls Night Out” we meet monthly (usually) and have a wonderful conversation at a restaurant. We are all older single women, most of us live alone, and it is a fun time together.”
“I have been in a dinner club for almost a year now, and it is great!”
“Before COVID, we did this for Monday Night Football. The food was themed around where the game was being played. It evolved to be more about the food than the game and we all had a lot of fun.”
“Bringing a special recipe & enjoying others specials.”
“I’m very fastidious about cooking/handwashing and I want to see other cooks keeping their space sanitary!!!”
“We wouldn't be able to host; our house is a mess with all of the DIY projects we have going on. I know a few friends I would enjoy doing this with. My wife and I are good cooks, so it would be fun sharing with them.”
“I tend to meal plan around the weather and what I have stocked in my pantry and freezer. At least once per week, I have my adult children over for dinner and/or make extra and deliver it to their homes”
“I love this idea - what a great way to get together with friends and taste new foods!”
“I enjoy it when we all bring something to taste something new!”
Europe in Bloom: Timing Your Flower‑Filled Journey
If you’ve ever been stirred by the sight and scent of blooming flowers, now is the perfect time to plan your floral escape to Europe. Many of the continent’s most breathtaking gardens and wildflower meadows reach their full splendour just before the summer crowds arrive. For instance, the famous Keukenhof Gardens in Holland bursts into colour in April with millions of bulbs, central Italy’s poppy and wisteria‑lined landscapes shine in May, and by June you’ll find lavender fields and alpine blooms in Provence and Slovenia’s Julian Alps. The guide also points to vibrant wildflower displays in the Dolomites in July and rich autumn foliage in regions like Piedmont later in the season. With travel timing now aligning with warmth, blooming nature, and lighter crowds, it’s a smart season to mark on your calendar.
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Slang Phrase of the Day
Phrase: Quiet storm
Meaning: The phrase "quiet storm" refers to someone who exudes calmness or gentleness on the outside but carries deep emotional strength, passion, or intensity underneath. It can also describe a steady, subtle force—often powerful in ways that aren't loud or flashy. The term originally gained popularity from the smooth R&B radio format in the 1970s, known for its mellow yet emotionally rich music.
In a sentence: "Joan may seem soft-spoken at our book club, but when it came to organizing the fundraiser, she was a real quiet storm—graceful, calm, and absolutely unstoppable."
Good News of the Day
Brave Bystanders Dive In to Save Three Stranded Pilot Whales in Nova Scotia
When three pilot whales became stranded on a Nova Scotia beach at low tide, two quick‑thinking men—Mark Rankin and Grant Cameron—completed an extraordinary rescue by stripping down to their briefs and wading into the cold water. They successfully guided all three whales back to deeper waters before authorities could arrive, stepping in when time and tide left no room to wait. Their selfless action and spontaneous courage turned a dire situation into a hopeful outcome for the whales now swimming free.
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RetireHub Trivia
Want more trivia? Play our “Nostalgia Trivia Game” on our site! We add fresh questions daily, so there’s always something new to test your knowledge.
Not into trivia? No worries! We’ve got plenty of other fun games to enjoy, like:
Which vitamin is synthesized in human skin in response to sunlight? |
Which country artist is widely known as “The Man in Black”? |
Which game show popularized the catchphrase “Is that your final answer?” (U.S. debut 1999)? |
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