It's that time of year again: Open enrollment season for your employer benefits, which, if you're lucky, includes the Flexible Savings Account (FSA). If you've always told yourself around this time "I should really take advantage of my FSA" but never do, now's the time to correct that grave financial mistake. Having an FSA is like getting a 30% discount on health care and dependent care costs (free money, people!). There are some big "gotchas" but don't worry, we'll help you avoid them. More »