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Not to push it, but what about other pre-tax deductions like

- FlexPlan for medical expenses
- Dental
- Medical


Overall, the only reason I know of not to pretax these would be the last X years of employment if those are your highest salary years and you will receive a pension based on that.

For the pre-tax for medical expenses, there's no reason not to do fairly predictable expenses and you don't actually have to use every cent to come out ahead(although with OTC drugs and a few other things, it's often easy to use it up if need be.)

rad
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