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Money Guy Show

The Most Underrated Investment Account in 2026

Money Guy Show

Brian Preston, CPA, CFP®, PFS and Bo Hanson, CFA, CFP® | Fee-Only Fiduciary Advisors

Education, Retirement, Moneyadvice, Investing, Savingmoney, Personalfinance, Business

4.62.8K Ratings

🗓️ 10 December 2025

⏱️ 64 minutes

🧾️ Download transcript

Summary

The Health Savings Account (or HSA) gives investors many great advantages, but the vast majority of Americans don't even have one. We'll walk you through the pros, the cons, and the steps to make sure your HSA is set for success in 2026. After showing how to make the most of this account, we answer your financial questions on everything from target date funds to home buying to college. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

Financial Mutant Quiz. Do you know the most underrated investment account for 2026?

0:12.4

I am so excited to talk about this because when it comes to investment accounts, you've got plenty of options that are pretty incredible. You've got 401ks, you've

0:22.9

got Roth IRAs, you've got traditional IRAs, but there is a single type of account that I would

0:28.4

argue is the most exciting, the actual sexiest of all of the investment accounts. Well, I feel like

0:35.0

we're single-handedly changing the dynamics of this

0:37.8

account. So without, you know, suspending, creating too much more suspense, we'll go ahead and

0:43.6

share. We think health savings accounts are fascinating and very powerful for your financial future

0:51.0

because they're not only triple tax advantage. There's potential to get a

0:56.0

quad benefit in there if you play your cards right. So what is a health savings account? Well,

1:01.7

quite simply, it's a type of tax advantage savings account offered to people that are

1:06.3

specifically enrolled in a high deductible health plan. And the goal of these accounts are to pay for qualified medical expenses.

1:14.8

And so these things are absolutely incredible.

1:18.6

Brian, you already led in with one of the most incredible things about them.

1:22.7

The thing that makes them so exciting is that they have tax benefits that combine tax benefits for some

1:28.3

or other favorite accounts all into one singular account. Think about this. I mean, we, I love Roth

1:33.8

accounts because they grow in completely tax-free. So for me to say this is potentially even

1:38.8

better than Roth accounts, we better have the receipts. And here's the actual receipts.

1:44.1

Triple tax advantage.

1:45.3

What do I mean when I say triple tax advantage with the potential for a quad is that all of your

1:51.4

contributions, assuming you qualify and can make contributions these accounts, are tax deductible.

1:57.0

You get a deduction on the front. That's powerful. You get to actually take a tax deduction

2:00.7

on the front end. The second thing is, the front. That's powerful. You get to actually take a tax deduction on the front end.

...

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