Steer clear of these blunders to make the most of your account.There are a number of different accounts you can put money into that come with built-in tax breaks. And it pays to maximize those accounts when possible.Traditional IRAs and 401(k) plans, for example, give you a tax break on your contributions. Roth IRAs and 401(k)s give you tax-free investment gains, as well as tax-free withdrawals. The nice thing about HSAs is that they combine all of those benefits into a single account you can fund for medic ...