I think there is a saver tax break that rewards low income people for contributing to IRAs beyond the normal deductions.
HSA = tax deduction going in, tax free for medical, tax deferred going forward
Tax deferred growth with stocks, annuities, index funds, ETFs. I'm not referring to IRAs. I'm referring to the fact that you can see 'growth' and you don't pay taxes on the growth until you sell it for a gain. You just pay taxes on the dividends.
Step up basis at death.