It is remarkable how much more effective a new year's resolution to lose weight is if you make it public and agree to a forfeit if you fail.

ECONOMIST: Schumpeter

Unlike a pre-tax healthcare flexible spending account, where you forfeit any unused balance at the end of the year under the use-it-or-lose-it rule, you can roll over any unused balance with an HSA, building a tax-free healthcare retirement kitty.

FORBES: What If You Use Your Health Savings Debit Card For Take-Out?