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Useful year-end tips to spend down health and childcare FSAs 

If you have a flexible spending account (FSA) or a dependent care FSA, you know these plans are a great way to save on everyday expenses for your family. But many plans follow a “use it or lose it” policy. This means that any unused money in your accounts may expire at the end of the year. With December speeding by, now's the time to make sure you’re getting the most out of your benefits. Here are smart ways to spend down your flex balances before it’s too late.