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#3: Use a Dependent Care FSA for Childcare During Medical Visits
A Dependent Care Flexible Spending Account lets you set aside up to $5,000 of pretax income for childcare expenses. The hidden benefit? If you need childcare so you can attend your own medical appointments or your spouse's, that's a qualifying expense. You're essentially paying for that care with before-tax dollars, reducing your taxable income. Paired with an HSA, you can shield a significant chunk of your healthcare-related spending from taxation.
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