Employee stock purchase plans can make buying company stock feel like an easy win, especially when a discount is involved. But before you enroll, it’s important to understand the tax rules, holding periods, and risks that can turn a promising perk into a costly mistake.

The 2026 dependent care FSA limit rises to $7,500 per household, giving eligible families a bigger pre-tax way to help cover child care and other qualifying dependent care costs. Here’s what changed, who can use it, and how to avoid common mistakes.