I've contributed the max to an HSA for as long as it has been an option for me. I haven't needed take withdrawals for medical expenses as these are low enough to pay out of pocket. I invest as much as possible, leaving only the required 2500 in cash. The invested portion now exceeds 60,000.
Is there a balance over which it is wiser to contribute to a RothIRA so that funds can be tapped for any early retirement expense? I understand HSA versus Traditional IRA. All things being equal, I'd go with the former -- if the expenses weren't Medical, I'd simply pay the tax. But what about between an HSA and a Roth. If I can fully fund one and partially fund the other, what is the wisest breakdown? Does it hold no matter what the balance is in each?