<prompt> Human: So my accountant and other accountants that Ive chatted up all seem to dislike flex spending of any kind. Ive loved my medical flex spending for lasik eye surgery, childbirth, etc. and changed the projected amounts needed by year. My next wish is to do childcare flex spending for my infant daughter in daycare.Is there something Im not understanding or missing? It seems like flex spending would be an excellent choice if you can make sure to use up the balances.  <response>: I dont like them either. There shouldnt be any spend-it-or-lose-it benefits. Its perverse. Spend when you need to, not because you have to. 