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The objective is to use the least tax efficient accounts first to allow your tax advantaged accounts time to grow and compound.
Evaluate your retirement income and assets to assess your ability to adequately support your goals.
The joint owner will inherit the accounts without going through probate, which may not be your objective. The automatic transfer of assets may contradict your will and your intentions. Other children or heirs would be disinherited.
Retirees spent more on travel, eating out, and other discretionary items at the beginning of retirement. As retirees age, discretionary expenses decrease, and health care costs increase.
Although Social Security is a political hot potato, it is likely that policy makers will eventually make some adjustments to avoid dramatic benefit cuts.
Money in an HSA is always yours and it stays with you if you change jobs, health care plans, or you retire. Once you are no longer covered by an HDHP you cannot contribute to your HSA, but it remains in place to cover future expenses.