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Green mockup of an HSA card HSAs have immediate tax-saving benefits and long-term retirement potential, but they require different savings strategies depending on employees’ age and income level. (Photo: Shutterstock)

The old adage, “You need to spend money to make money,” is applicable to many areas of life and business, but when it comes to retirement, not so much. Particularly for people who are enrolled in retirement accounts, like the 401(k) or IRA.

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