Once again I have managed to almost snatch defeat from the jaws of victory, and I have to hustle to stuff it back whence I am snatching it from. My wife and I set up a flexible spending account for childcare last year, when we knew my wife was pregnant. Then in February, my wife decided that nothing else would do but to have her mother here. Now we're sitting with nigh on $4,000 in that account, and facing the possibility that money will disappear unspent on 12/31 (IMO that is outright theft, but that's another discussion). Her employer so far isn't helping, though we haven't really pushed yet. Also, the firm that's managing the DCFSA seems really inflexible as well. Options under consideration: 1) Prepaying next years child care. 2) Figuring out how to claim her mother (not a citizen or permanent resident) living with us as a dependent and cover the cost of her food, etc. 3) Seeing if we can move the money into her 401K. Ideas would be welcome.