most of people made mistake when thinking about how much money

to put into Flexile account.

I made mistake, too. So I lost some money instead of saving it. The money you put into flexi. just help you to save tax.

Take the following case as an example.

you put $500 into your Flexi (for medicine care) which will save you about $15 (given a 3% tax). However, if you can't spend all these $500, saying only $400, then you will lose $100. This especially true if you think about something may happen which is out of your control.

So, make a conservetive estimate of your expense, then put a little less than that money into your account. For dependent care, I'd suggest putting 90-95% of your estimate .