108 - The First Bitcoin-Native HSA: Stu Lackey on Sound Money for Healthcare

108 - The First Bitcoin-Native HSA: Stu Lackey on Sound Money for Healthcare

Author: Lynne Bairstow, Israel Munoz August 31, 2026 Duration: 54:40

In this episode, Stu Lackey, CEO and co-founder of Sound HSA, explains how Bitcoin can live inside a Health Savings Account — not as an ETF, but as actual bitcoin in a self-directed, tax-advantaged HSA.

Stu covers why HSAs are one of the strongest vehicles in the U.S. tax code and why pairing them with bitcoin’s fixed supply fits rising healthcare costs. He walks through how SOUND HSA works: cash in, buy real bitcoin, multi-sig custody, an IRS-designated trustee, and the path from idea to live product. You’ll also hear the founder story — two decades in health-tech, the balance-sheet moment that crystallized the idea, partnerships, and building a compliant product on existing HSA rails.

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🌴 Join us at Mita TechTalks 2026 — an exclusive gathering for operators, family offices, and industry leaders exploring the future of capital through Bitcoin, AI, and Energy. Oct 25-27, Punta Mita.

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Chapters

00:00 Introduction to Stu Lackey and Sound HSA

02:10 Stu's background in healthcare and discovery of Bitcoin

04:00 What is an HSA and its benefits

06:48 The vision for integrating Bitcoin into HSAs

09:58 Market opportunity and initial conviction

16:48 How the Sound HSA product works step-by-step

20:00 Custody, partnerships, and security measures

25:00 Business model, monetization, and fundraising journey

28:59 Use of funds and growth strategy

32:04 Bitcoin treasury management and long-term vision

35:49 Go-to-market strategy and customer acquisition

40:01 Innovative features like move-to-earn and wellness programs

43:12 Advice for newcomers and industry outlook

52:04 Getting involved and final thoughts

Resources:

https://soundhsa.com/

Build With Bitcoin:

https://www.buildwithbitcoin.xyz/https://x.com/BuildwBitcoin

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❗ DISCLAIMER: This show is for entertainment purposes only. Before making any decisions consult a professional.


At its core, Build With Bitcoin is a conversation about what happens when a foundational technology meets human ambition. Co-hosts Lynne Bairstow and Israel Munoz steer these discussions, moving beyond the daily price chatter to explore the tangible projects, businesses, and investment philosophies emerging from the Bitcoin ecosystem. Their guests-a mix of builders, entrepreneurs, and forward-thinking investors-share firsthand accounts of what it means to create value with this technology as a base layer. You’ll hear practical insights on navigating the intersection of technology and business, the challenges of launching ventures in this space, and the long-term strategic thinking that guides serious investment. This isn't just theory; it's a front-row seat to the practical application of a digital platform reshaping industries. The dialogue naturally spans the worlds of business, entrepreneurship, and investing, all through the lens of a technology that is constantly evolving. For anyone curious about the real-world utility being constructed right now, this podcast offers a grounded, insightful perspective from the people who are actively laying the bricks.
Author: Language: English Episodes: 50

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