Lauren Hargrave

Lauren Hargrave is a writer from San Francisco who focuses on technology, finance and wellness. She follows comedians like most people follow bands and believes an outdoor sweat session can cure almost any bad mood. She’s also been writing her first novel for so long, her mom doesn’t ask about it anymore.


Articles by Lauren Hargrave

FSA

How Does a Dependent Care FSA (DCFSA) Work?

There’s no way around it, being a caretaker, whether it’s to a child (or multiple children) or an adult who can’t take care of themselves, requires balance in terms of time and finances. Especially if you also work. You can buy time by hiring a caretaker, but sometimes the cost of that outside help can be a barrier to working for some adults. If your employer (or your spouse’s employer) offers a Dependent Care FSA (DCFSA), this could help you save money on dependent care services. Let’s take a look at how a DCFSA works.

6 min read

FSA

Does My Flexible Spending Account (FSA) Rollover?

Deciding how much to contribute to your Flexible Spending Account (FSA) at the beginning of your plan year can feel like it’s half fortune telling and half science. The good news is that two policies: the FSA Rollover and the FSA Grace Period can help alleviate the stress of choosing the exact correct amount to contribute to your FSA each year.

6 min read

Health Savings Accounts

Can I Still Contribute to My HSA After Retirement?

Once you turn 65, you must stop contributing to your health savings account (HSA). Your HSA eligibility isn’t determined by employment (you can contribute to an HSA regardless of whether you have an employer-sponsored health plan or not), but is instead dependent on the type of health insurance plan under which you’re covered as well as your age. These facts, combined with the tax-advantaged structure of HSAs makes them an ideal tool to save for retirement.

5 min read

Health Insurance

How Long Can I Stay on My Partner's Insurance After a Divorce?

Dividing your assets, such as 401(k)s and Health Savings Accounts (HSAs) is a central piece of negotiating a divorce settlement. If you receive health insurance through your spouse’s employer, you want to carefully consider whether it makes sense to stay on your partner’s health insurance after you divorce.

3 min read

Benefits

Important Benefits to Consider When Applying for a Job

When embarking on your job search, it can be tempting to focus on position title and salary. These are important factors, but they might not be the most important factors when considering which job to take. For instance, if you have a family and an employer offers to pay for all or most of the premiums for high-quality health plans, this might be worth more to you than an extra $10,000 in annual salary (both financially and for peace of mind). Or what if they offer contribution matching to an HSA? That’s literally free money.

6 min read

Personal Finance

Using your FSA or HSA for At Home Wellness

The U.S. health system typically treats sickness, with the responsibility of maintaining wellness resting on the individual. While your health insurance isn’t likely to pay for that yoga retreat, you can use your FSA and HSA to pay for other wellness products like acupressure pads, allergy medication, and other items that will help keep you out of the doctor’s office.

4 min read