So essentially, we should only be withdrawing from an HSA in worst case scenarios? Would you take contributions out of a ROTH IRA prior to an HSA if you needed the funds? Or vice versa? I’d assume you would take out of an HSA prior to Roth IRA (even tho HSA has 3x tax advantage) because typically your Roth IRA has a much larger balance enabling it to compound more interest compared to an HSA. So the effects would be less felt if you hurt your HSA compared to your Roth IRA but I could be wrong

That makes it a bit less appealing if I’m taking money from myself. If I intend to use my HSA to build as large of a balance as possible going into retirement, wouldn’t it make more sense to never reimburse myself? Considering that I always have the maximum out of pocket deductible amount sitting in a separate account?