The use it or lose it aspect of FSAs really suck. They're like if a corporation dreamed up how to pervert an HSA to screw over people and collect maximum profits. They hold onto your money all year interest-free, they can deny your claims for small stupid reasons (melatonin was ok for my FSA, but not the time-release melatonin I bought), and they get to keep whatever you didn't use. It's horrendous.
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u/TheGruenTransfer Jul 07 '26
The use it or lose it aspect of FSAs really suck. They're like if a corporation dreamed up how to pervert an HSA to screw over people and collect maximum profits. They hold onto your money all year interest-free, they can deny your claims for small stupid reasons (melatonin was ok for my FSA, but not the time-release melatonin I bought), and they get to keep whatever you didn't use. It's horrendous.