 Health savings accounts, the most attractive account title you can get because money goes in pre-tax, so you're not paying the income taxes on it. Still got to pay the FICA taxes, though, by the way. Pre-tax, it can grow completely tax-deferred. You don't have to tell the IRS when you buy and sell something and made money in it. And you can take the money out if it's used for health purposes, completely tax-free.