Retroactive HSA Withdrawl Assume I was in an HDHP in 2023 and contributed 5,000 to my HSA. In 2024 I was not eligible to contribute, and incurred medical expenses of 3,000. In 2025, can I withdraw 3,000 from my HSA for the 2024 expense? Assume my AGI is high enough that 3,000 isn’t above 7.5% of AGI. My understanding is I can do this. If I cannot, why? Reason to do this …

Retroactive traditional to roth IRA conversion I had a few recent years with very low income, and I realized I missed an opportunity to convert some traditional IRA funds to roth. Is there any way to still do the conversion retroactively, and refile my income tax returns? Quick timeline: 2021: Normal salary 2022: ~$0 income 2023: ~$0 income 2024: Normal salary So 22 and 23 were great oppor…