Just signed up for the max. Everything I have found says this is a no brainer but I just wanted to verify with the masses. I never like money coming out of my check and the lose it or lose it scares me.

We pay around $1400/month for daycare and that isn't going to change in the next year. Simple math puts that near $17k/year or only 1/3rd that Ill have to hit to cover the 5 thousand.

From what I hear, I basically save my tax bracket out of that $5000 because its coming out pre tax and reimbursing us for daycare expenses.

Any reason I would NOT want this??