Key Points The more tax breaks you can take in the course of building retirement savings, the better. Though an HSA isn't strictly a retirement account, it can function as one. It pays to see if you're eligible to participate in an HSA in 2026, especially if you have new insurance. The $23,760 Social Security bonus most retirees completely overlook › IRAs and 401(k) plans are popular for a reason. These accounts offer tax breaks in the course of building retirement savings. And since you'll need ...