WCI #426: A Deep Dive into HSAs
White Coat Investor Podcast
Dr. Jim Dahle of the White Coat Investor
4.9 • 2.3K Ratings
🗓️ 3 July 2025
⏱️ 61 minutes
🧾️ Download transcript
Summary
Today we are answering a questions about HSAs. We spend time really getting into the details of what an HSA is, who might want to use it when, contribution limits, and what the pros and cons of using an HSA are. We also answer a question about the thrift savings plan and what to do with your retirement accounts when transitioning into active duty in the military.
Today’s episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that’s where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you’re still in residency. And if you’re already out of residency, SoFi’s got you covered there too.
For more information, go to https://www.whitecoatinvestor.com/Sofi
SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891.
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Transcript
Click on a timestamp to play from that location
| 0:00.0 | This is the White Coat Investor Podcast, where we help those who wear the white coat get a fair |
| 0:04.8 | shake on Wall Street. We've been helping doctors and other high-income professionals stop |
| 0:09.3 | doing dumb things with their money since 2011. This is White Coat Investor Podcast number 426. |
| 0:19.5 | Today's episode is brought to us by SOFI, the folks who help |
| 0:22.6 | you get your money right. Paying off student debt quickly and getting your finances back on track |
| 0:27.1 | isn't easy, but that's where SOFI can help. They have exclusive low rates designed to help medical |
| 0:31.4 | residents refinance student loans. That can end up saving you thousands of dollars helping you get |
| 0:35.9 | out of student debt sooner. |
| 0:41.8 | SoFi also offers the ability to lower your payments to just $100 a month while you're still in residence. |
| 0:45.1 | And if you're already out of residency, SoFi's got you covered there too. |
| 0:48.6 | For more information, go to sophy.com slash white coat investor. |
| 0:55.9 | SoFi student loans are originated by SOFi Bank and a member FDIC, additional terms and conditions apply, NMLS 696891. |
| 0:57.5 | All right. |
| 1:00.4 | Welcome back to the podcast. |
| 1:08.6 | We are very appreciative of having you not only listening to the podcast, but out there in the world taking care of people. |
| 1:10.1 | Lots of you are doctors. |
| 1:11.0 | We know it's probably, you know, 75% physicians and perhaps uh you know 10% dentists and then everybody else in some other |
| 1:18.4 | sort of profession but it's lots of doctors out there your work matters hey it really is |
| 1:23.9 | important what you're doing and maybe you're listening in the car with your kids or something |
| 1:27.0 | hey kids your mom and dad do really important work and you should be aware of this. |
| 1:31.3 | So I know they're not there all the time for everything for you, but know that what they're doing |
| 1:35.0 | at work is also as important, maybe not more important than you are, but can be very important. |
... |
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