???? Open Enrollment: The Annual Game of “Guess What These Benefits Actually Mean”

Every fall, HR drops that mysterious email: “It’s time for open enrollment!” And suddenly, you’re scrolling through options that sound like they were written by a committee of lawyers and robots.

☠️ “High-Deductible Health Plan” sounds scary. ???? “Health Savings Account” sounds like a trap. ???? And “Flexible Spending Account”? Not flexible enough when you forget to use it by December. That’s where planning actually pays off. In this week’s video, I break down how to make smart benefit elections that fit your financial plan, not just your employer’s brochure. Because open enrollment shouldn’t feel like a pop quiz you didn’t study for.