When to withdraw HSA funds?

[Imustacheyouaquestion]

I'm looking to invest in my first rental real estate property. One of the potential sources of money for an initial down payment is reimbursements from my HSA, which total around $4k over the last 5 years of accumulated receipts. This isn't the sole source of funds, just a small piece of the "capital stack."

On one hand, it seems unwise to empty out some tax-advantaged space that I can't get back. On the other hand, the point of the HSA was always to use the money at some point - and this would be for a productive investment.

When do you plan to withdraw from your HSA? Is this a dumb move?

[Rocketman]

I use the KISS principle- keep it simple. So I use my HSA to pay my medical expenses as I go. I totally understand keeping it in there for tax free growth, but I like simple.

If it were me I would use it.