Are those noticeably different than an insulated hub fish house? My redneck upbringing just thinks of throwing the hub up and firing up the sunflower on high. Is this a risk to my few remaining brain cells (other than Carbon Monoxide poisoning)?
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Not much different, but less insulated than an insulated hub house. As to heat source…I’ll stick with what they sent :).
10k, I chuckle because I’m the last person you need to walk thru TVM with. Are we going to go over CAPM next? You could literally take any purchase you ever made and say “well if you invested that in the stock market it’d be worth X in Y number of years”. Looking thru that lens, spending money on literally anything would never make financial sense.
Perhaps I can rephrase my approach to make it more clear what I’m doing. I save ~40% of my gross pay each paycheck in various different investment vehicles (401k, Roth, HSA, HYSA, brokerage). I have >10X my max annual out of pocket in my HDHP saved in there and I max out my Roth and 401k every year, so I’m not in a pinch to be throwing as much as I possibly can into my HSA because I’m pretty happy with what % of my pay I’m currently saving. Is more better? You bet it is, but I could say you should be investing more into your IRA than you’re currently doing because everybody has non-essential spending. I’m not thinking of draining my HSA to buy a sauna. I’m thinking of increasing my future contributions to my HSA over the next 2 years (above what I already plan to contribute, sauna or no sauna) and use those additional dollars to fund a sauna. Would it be worth a crap ton more if I let it sit and grow while invested in my HSA for a number of years? Absolutely it would. But I could also say that the fishing gear you bought or new gun or new vehicle or iphone or heck even the last time you went out to eat, if you invested that money instead of spending it on X, Y, or Z, you’d have a gazillion dollars in 30 years. Same exact argument you’re making to me which is a moot point.
So yes, all money would be better off if invested instead of spent on non-essential goods. That’s a no brainer.
All I’m talking about doing is flowing funds (above what I already contribute) thru an HSA to leverage the tax savings and pay ~25% less out of pocket than I would have if I buy a sauna with after tax funds. Said another way, I am paying for it out of pocket by temporarily decreasing my take home pay and inflating my HSA contributions.
Thanks for coming to my Ted Talk
My apologies Gitchi, re-reading my post I didn’t clearly state what I was thinking, I see the confusion. You didn’t owe me a full explanation as its your personal situation, not mine, but I probably would have responded similar. TVM, the actual spending of money vs investing every single dollar etc. wasn’t my focus. I couldn’t even calculate my potential net worth if all of the money I have spent of fishing gear had been invested. The point I had in my head was HSA contributions and investing space is much more limited than say a 401k. I’d hate lose $10k of that space, and would pay with post tax dollars. BUT that is based on my personal situation and goals. You know a lot more than I, and doing better. 
Are you looking to install one inside your home or outside. I’ve often thought about getting a sauna ( Love those things ) Just don’t have a good space inside my home, and the cost of most of the outside ones are rather spendy.
IMHO you do not want a hot tub indoors. Water temp can up to 104 degrees and inside air temp of 70, you will sweat and be terribly uncomfortable. I can comfortably sit in my hot tub down to single digit outside air temp. If you ever visit a Colorado ski resort all of the hot tubs are outdoors. Good luck.
<div class=”d4p-bbt-quote-title”>fishthumper wrote:</div>
Are you looking to install one inside your home or outside. I’ve often thought about getting a sauna ( Love those things ) Just don’t have a good space inside my home, and the cost of most of the outside ones are rather spendy.IMHO you do not want a hot tub indoors. Water temp can up to 104 degrees and inside air temp of 70, you will sweat and be terribly uncomfortable. I can comfortably sit in my hot tub down to single digit outside air temp. If you ever visit a Colorado ski resort all of the hot tubs are outdoors. Good luck.
Our hot tub is under the deck and is the greatest thing ever when cool out side. I could sit in that for hours. If I didn’t have a good buddy who owned a hot tub and pool store I would never own one. To dang expensive to keep up on. I think ours was 12k and we paid half that through him. I did all the wiring my self. I poured the slab it sits on my self and I get all chemicals to care for it at his cost. Otherwise it would be spendy.
I called my tax attorney. He said to not call him if I am dumb enough to use HSA dollars to buy a sauna…unless I find a doctor dumb enough to give me a script to state that it is for medical purposes. I anticipated that this would be his response. Just because a manufacturer gives you some BS waiving papers doesn’t mean the IRS approves.
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