The Best Way to Contribute to a Health Savings Account (HSA)?

Описание: Question: (Tyler, - NJ) Hi guys, first of all, I love the podcast! My question is regarding my HSA. On January 1st each year, I directly contribute my portion, which will be $2750 for 2022, into my HSA account from my regular checking account. Then throughout the year, my employer contributes their portion ($75/mo.) directly to my HSA bank account. Maxing out the employee/employer contributions under a “self-only” plan. Once the money hits HSA bank I immediately transfer it to my HSA investment account at TD Ameritrade and put it to work in low-cost, diversified ETFs. I file the IRS form 8889 to reduce my adjusted gross income by the contribution amount. I know that if I instead had my contributions come out via biweekly payroll deductions I wouldn’t have to pay the 7.65% FICA tax on those contributions. In my head, 7.65% of $2750 is about a $206 tax savings. On the other hand, if I instead invest that $2750 right away on January 1st, I feel like my money can earn more than the $206 tax savings over the span of the entire year. Am I missing something in this equation where it would make more sense to do the contributions via payroll deduction?

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