Don’t Leave Money Behind This New Year

If you have a Flexible Spending Account (FSA), this could be your last chance this year to use those funds. FSAs are part of your benefits, but unused money often expires. Accidentally letting that money go is easy to do… but it’s also completely avoidable.

Why This Slips Through the Cracks 🧠

The end of the year gets busy fast. Deadlines pile up, holidays take over, and anything that isn’t right in front of you tends to fade into the background. Given that FSA money lives behind a login and comes with rules, it’s particularly easy to forget.

Sometimes, all it takes is a reminder and a clear sense of what the money can be used for.

A Quick Way to Reclaim What’s Yours ✅

Check your FSA balance and confirm your deadline. If you have funds left, look for eligible expenses you may already need, like eyeglasses, prescriptions, contact lenses, or certain over-the-counter medications. While many FSA deadlines are December 31st, your employer’s specific plan may have a grace period that falls well into the spring of 2026.

Once you’ve used what remains, take a moment to review your FSA contribution for 2026. If your health needs or expected costs have changed, adjusting now can help your benefits work better for you next year. Check your state’s Open Enrollment policies and make a quick adjustment before the deadline.

The Takeaway 💬

Good financial decisions aren’t always about big changes. Sometimes, they’re about paying attention at the right moment. Taking a few minutes to use benefits you already have is an easy way to support your financial health, and do your future self a favor!

For more practical, judgment-free money tips, explore the Advisers Give Back blog, and check out our free financial services here!