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Benefits, in plain English
The questions everyone Googles and nobody answers clearly — W-2 mysteries, FSA rules, and what a “cafeteria plan” actually is.
Your W-2, decoded
What is “Cafe 125” on my W-2?
The line on your W-2 that sends everyone to Google — what it is, why you don't owe tax on it, and why you can't deduct it either.
The basics
What is a Section 125 cafeteria plan? (No, it's not about lunch)
The written plan that makes pre-tax benefits legal — what goes on the menu, who saves, and the rules that surprise people.
FSA rules
Does my FSA roll over? The use-it-or-lose-it truth
Grace period vs. carryover ($680 from 2026 plans), why you can't have both, and the five-minute way to find out which one you have.
FSA eligibility
Are vitamins FSA eligible?
Usually no — but prenatals are, and a doctor's note changes things. The general-health rule that decides everything.
FSA eligibility
Is toothpaste FSA eligible? Your bathroom shelf, sorted
Toothpaste no, sunscreen yes — the whole shelf in one table, plus the pattern so you can sort anything yourself.