How do you track HSA-eligible expenses, especially if you're doing the "save receipts, reimburse later" strategy?
Curious how people here actually keep track of this. I know the IRS lets you pay eligible expenses out of pocket now and reimburse yourself from the HSA any time in the future — years later even — as long as you have the documentation. That means the HSA can just sit and grow tax-free in the meantime.
But that only works if you actually keep good records. I built myself a simple spreadsheet to log expenses (date, provider, amount, category, whether the receipt is saved, reimbursed or not) so I always know how much I have "banked" and available to pull out tax-free whenever I want.
Curious what everyone else does — a spreadsheet like mine, an app, just a folder of paper receipts, or something else entirely? And if you do keep a spreadsheet, what do you wish it did that it doesn't?