>HSAs are also great, but you can only use them for medical expenses, so just be aware of that. If you overfund it you can't just take money out without a tax penalty.

This is true, but you don't have any time limit for using that money, the way an FSA works. At my previous job, I had an HSA account with my high deductible plan. The company threw money in there, and I did, too, so it ended up with a few $thousand in it. I'm not at that job any more, but I'm still using that money to pay for copays, glasses, dental visits, prescriptions. And after 65, you can take the money out for anything. You pay taxes on that if it's not medical, but it's still an option.