Four Steps to Maximize Your Flexible Spending Account

Don't be one of the consumers that left $450 million in flexible spending account money on the table
Don't be one of the consumers that left $450 million in flexible spending account money on the table

When it comes to flexible spending accounts (FSAs), you use it or lose it. That's meant the 30 million Americans who have paid into their FSAs have left about $450 million of tax-free money unclaimed by the time the deadline rolls around, according to Jeremy Miller, founder and president of FSAStore.com, a one-stop shopping site for FSA-friendly products and services.

Most of this unspent cash goes back to those who don't exactly need it: your employers. To make sure you're making the most of your FSA, here are four steps you can take.