Think Smart While You Make Your Investments!
# Medical emergency corpus
If you have a Flexible Spending Account for dependent care, healthcare, or transportation expenses, the funds may be expiring at the end of the year. If they are not expiring on December 31, they will almost certainly expire by March or April. 
Purchase additional over the counter medicines if necessary to use up funds in your healthcare FSA.
If your dependent care or transportations FSAs have money left, there’s not a lot you can do to incur extra expenses, but use it as a lesson for next year, and estimate expenses accurately before locking your money away!
# Prepare a checklist in advance
A lot can happen in a year – your employment situation may have changed, you may have moved to a new location, you have might have got married or had children, or you may have lost a loved one. These are all major changes and can affect the way we go forward.
Take some time to reflect upon how your personal and financial situation has changed and think of ways you can create a new financial plan to meet your changing situation.
