9 Oct 2026
Triple-Tax-Advantaged Bitcoin: How an HSA Turns Healthcare Into a Sats Stack
Over $200 billion sits in HSAs, and more than half of it is in cash. What if that money were Bitcoin, tax-free in and out?
Wyatt sits down with Jon Gordon, co-founder of Sound HSA and our first recurring guest, to unpack how real Bitcoin goes inside the most tax-advantaged account in the US tax code: tax-free in, tax-free growth, and no capital gains on eligible health spending. They cover the new employer rollout built on payroll integrations, multisig custody with Unchained, Gannett Trust, and Horizon Trust, and where in-kind Bitcoin distributions are headed.
They also get into sats for steps, including 21,000 sats for 21,000 steps at the Summit, and how Jon is building the Chicago Bitcoin Collective and Forking Coin restaurant. Plus: Illinois's new 0.2% crypto transaction tax, and a local doctor whose patients are already paying in Bitcoin.
🎟️ Join Us in Denver, Bitcoin Financial Services Summit
October 20-22, Denver, Colorado. RIAs, CPAs, lenders, miners, treasury companies, and Bitcoin-native operators all in one room. Get your tickets at bffs.media (http://bffs.media)
Guest: Jon Gordon
Sound HSA
Website: soundhsa.com (http://soundhsa.com)
Email: jon@soundhsa.com (mailto:jon@soundhsa.com)
X: Bitcoin Yogi
Host Links
Wyatt O'Rourke
X: x.com/wyattorourke (http://x.com/wyattorourke)
Website: basilic.io (http://basilic.io)
Jordan Guess
X: x.com/jordanguess (http://x.com/jordanguess)
LinkedIn: linkedin.com/in/jordan-guess-cpa (http://linkedin.com/in/jordan-guess-cpa)
Website: bitment.co (http://bitment.co)
Bitcoin Financial Services Media
X: x.com/bffs_media (http://x.com/bffs_media)
Website: bffs.media (http://bffs.media)
YouTube: @bffs_media
Show Sponsors
Unchained Capital
@unchained — bitcoin custody, loans, and IRAs, built so you keep your keys. unchained.com (http://unchained.com)
Sound HSA
@SOUND_HSA — the first bitcoin-native HSA. Save tax-free, grow in bitcoin. soundhsa.com (http://soundhsa.com)
River Financial
@River — bitcoin-only brokerage, full-reserve custody, zero fees on recurring buys. river.com (http://river.com)
Quantify Funds
Asset manager behind the STKd ETF suite, including BTGD — 100% bitcoin and 100% gold exposure. quantifyfunds.com (http://quantifyfunds.com)
Falcon, Rappaport & Berkman
@frblaw (LinkedIn) — the law firm behind FRB's Digital Assets Practice Group. frblaw.com (http://frblaw.com)
SustainHash
@SustainHash — a one-stop solution for bitcoin miners, from ASIC hardware to site deployment and repairs. sustainhash.com (http://sustainhash.com)
Abundant Mines
@AbundantMines — fully managed, hydro-powered bitcoin mining where you own the miners and keep 100% of the bitcoin. abundantmines.com (http://abundantmines.com)
Stormrake
@Stormrake — full-service digital asset brokerage with a dedicated broker for every client. stormrake.com (http://stormrake.com)
Revolution Mortgage
@RevolutionMortgage — modern home lending for bitcoin-forward households, with loan officers who understand balance sheets that include bitcoin. revolutionmortgage.com (http://revolutionmortgage.com)
Anchorage Digital
@Anchorage — home to Anchorage Digital Bank, the only federally chartered crypto bank in the US. anchorage.com (http://anchorage.com)
UTXO Management
@UTXOManagement — bitcoin-native asset management and research across public markets, venture capital, and structured credit. utxo.management (http://utxo.management)
SALT Lending
Bitcoin-backed loans since 2016. Access cash without selling your bitcoin. saltlending.com (http://saltlending.com)
Bitcoin Well
Bitcoin Well (TSXV: BTCW) — buy real bitcoin sent directly to your own wallet, across Canada and all 50 US states. bitcoinwell.com (http://bitcoinwell.com)
AnchorWatch
Bitcoin custody and insurance, with multi-party vaults and optional Lloyd's of London coverage. anchorwatch.com (http://anchorwatch.com)
2718 Fund
2718 Capital — a private fund for accredited investors that stays long bitcoin and targets a 10% annual distribution, paid monthly. Distributions are not guaranteed; leverage adds risk. 2718.fund (http://2718.fund)
Snorkel
Handcrafted cedar hot tubs and cold plunges from the Pacific Northwest since 1979. Hosting the bar and backyard patio at the Summit. snorkel.com (http://snorkel.com)
