My wife and I have decided to start spending our Health Savings Account (HSA) money. I've been writing and thinking about HSAs for a long time now, since even before we were first eligible to use one in 2012. HSAs are awesome. I mean, they're probably not so awesome that you should pay for an HDHP you wouldn't otherwise get just to have an HSA, but they're still great. I love them. In fact, our first investment dollars each year go into our HSA. The reason why is that it is a triple tax-free account. You get an above-the-line (no phaseouts) tax deduction worth thousands of dollars in saved tax when you put in the money. It grows tax-free like your Roth IRA and 401(k). When you take out the money, it comes out tax-free (like a Roth IRA or 529) as long as it is spent on healthcare. It gets even better, though. What if you don't need the money for healthcare? In that case, you can just pull it out after age 65 and spend it on whatever you want with no penalties.…