Those were the sentiments behind many passionate responses to my column, "Overscheduled kids, anxious parents, " about the conundrum facing millions of parents like me: Determining how many, and which, activities in which to enroll our kids.

CNN: Whatever happened to 'go outside and play'?

Encourage your workers to enroll in the plan and teach them how to use it.

FORBES: Small Biz Can Save Retirement

My hunch is that many feel confused about how these accounts work and others simply forget to re-enroll (you must opt-in to these accounts every year).

FORBES: Avoid These 4 Critical Mistakes During Open Enrollment