Some flexible saving accounts vanish after the start of a new year

IF YOU'VE BEEN PUTTING MONEY INTO A "FLEXIBLE SAVINGS ACCOUNT" -- MAKE SURE YOU SPEND IT, BECAUSE IT MIGHT VANISH AT THE END OF THE YEAR. MOST "F-S-A" PLANS ARE USE IT OR LOSE IT. LESS THAN HALF ROLL OVER ANY MONEY INTO 2019.

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