

1.) The money that is set aside (tax free) from your paychecks is to be used only for health expenses and must be used in that year (unlike, the much better option, an HSA). After that, the money goes to your employer. Why not let it accumulate? Why does unspent money get taken away? Doesn't that just encourage us all to spend more than we need to?
2.) Because the money comes out of your paycheck over the course of the year, the amount you have to work with increases over the fiscal year. So if I need something done at the beginning of the fiscal year and my first few deductions from my paycheck don't cover it, I'm on my own. It is not as "flexible" as it seems.
So anyway, I was coming down to the end of the year and I had all of my flex dollars left and I was going to buy the biggest, baddest first aid kit you have ever seen (band-aids, neosporin, codine, scalpels, automatic electronic defibrillator, a couple stretchers and an ambulance!)
Instead, I scrambled to set up an eye exam because I don't really need an ambulance. I had meant to do this for quite some time. You see, when I renewed my driver's license, I took the vision test there (where you stick your face into what looks like a giant 70's microscope and they have you read a line of letters) and I specifically remember reading the line of letters confident in the twenty-twenty vision I had always had. To my surprise the response from the kind DMV person behind the counter was "what line were you reading!?!?" Upon the second try, I found that it was more difficult than I thought.
So I have glasses. I feel hip and trendy! And I can see!
Watching TV last night, everything was so clear! I have decided that this must be what HDTV is like.
Loving new sight and living the dream.
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