How an HSA Can Outperform a 401(k) — and How to Stack Employer E-Bike and Commuter Perks Without Paying Extra Taxes

https://varimail.com/articles/how-a-mid-career-engineer-built-a-40k-education-war-chest-by-treating-an-hsa-like-a-financial-swiss-army-knife/

5 Critical Questions About HSAs, Employer Commuter Perks, and E-Bike Reimbursements You Should Ask Why these matter: most people treat HSAs like a health-savings coupon and 401(k)s like the only retirement vehicle worth thinking about