Ma ra mero wife citizen ho, IRS lai thagna kojeko pani hoina. FSA, 401(K), retirement, home, and kids bahek aaru kei option cha ki bhanera matrai bhujna kojeko ho. I know how flex work, thanks for the tips about 401K nepalchoro2008. I totally understand that 401K has all kind of risk but I don’t think I will ever pull out just considering what happened in 2008. True investor for retirement,  I believe should invest in future, never pull out, look at the return for a decade or more, always rollover 401(K) if job situation changes, start today and contribute as much as you can, and most of all diversify and at least take the employer match (free money).
Any more suggestions to save taxes?