that money in retirement.

When you look at the costs in retirement, you can pretty much budget out everything, EXCEPT medical. Medical costs could be astronomical especially if you want top notch care.

If you use the HSA to get tax free growth for 30 years, you should have a giant nest egg that takes all the worry out of unforeseen medical expenses in retirement. All your traditional 401K and Social security money can go straight into budgeting food and vacation etc. because you don't have to worry about medical as that all can be paid out of the HSA.

The only downside is if you die young. People that want to take that downside away can keep receipts for 30 years. I'm not wasting my time on that. In my mind, I won't care if I'm burned by the downside because that means I'll be dead.