Our two big goals for the year are getting Mr. Steward’s Roth IRA opened (which should be imminently doable), and getting the PMI off of our house. We may also have a larger trip coming up that I suspect we will need to contribute 1-2k towards, although I saw the Mad Fientist is going to have a travel hacking tool soon… so maybe we can lower those costs. It would be a stretch to attach the baby on as a savings goal; it would have to take away from the other goals, and these goals are all designed to get us into the maximum financial health we can be in before having to pay for two in daycare (!!!) for a couple of years. (The trip is a major family even with nonnegotiable attendance.)
Thanks for the explanation on how it benefits my company. I always wondered. I don’t mind having the clinic much since we get referrals for any major illnesses, and still get to choose our pediatricians, OB/GYNs, dentists, and other specialists (assuming they are in our insurance network, which is a major network). They do not contribute anything to the FSA, however. It’s purely voluntary.
As regards Castlight, I have had it with two different jobs. I do not find it useful for comparing costs among health providers, but I found it incredibly useful in terms of predicting what my costs might be in general. I have no idea how much it costs my employer to provide to me, though.