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You probably are already aware of this but just in case:
- once you’re 65 you can withdraw from the HSA as if it was an IRA with no penalty.
- you can reimburse yourself for past medical expenses, presumably even 30 years in the past if you kept your receipts
True, and funnily enough french people don’t use yearly gross. Most of the time they use monthly net, and, in the context of salary negotiations, will specify over how many months. E.g. “2000 net sur 13 mois”