conversation: User (razeus): "As I understand it, I pay the tax up front in a Roth IRA. Meaning, once I get my paycheck, I can put money into a Roth because it's already been taxed.\n\nI can sit and let it grow for the next 30 years (my retirement timeline) and I NEVER have to pay tax on the the withdrawals???  \n\nWhat am I missing? This sounds too good to be true.\n\nFurthermore, I have an HSA as well and since I never had to pay tax on medical related withdrawals on my HSA, couldn't I simply withdrawal that money from the HSA and stick into my Roth and have 100% tax free contributions and growth?\n\n"
  Self: "That is correct, assuming the laws don't get changed. (Which, to my mind, is not a trivial assumption, but anyway.) Note that this is only a win if your tax rate in retirement is higher than your tax rate at the time you contribute.\n\nIf you withdraw money from your HSA for anything other than medical expenses, you'll have to pay taxes on that money."
  User (razeus): "Yes, I'll be withdrawing for medical expenses. As I understand it, I've been keeping my receipts and can use these receipts against my HSA account at anytime to make such a withdrawal. \n\n"
  Self: "Given that you understand this, I don't get your second question. There is no way to get money from your HSA to your Roth without paying taxes on it. The only way you can withdraw from your HSA tax-free is for medical expenses that you already incurred."
  User (razeus): "That's exactly what I'm asking. I'm just making sure I understand what I'm doing."
  