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Francis and Stephen both work at the same company and both make $100,000 a year. Francis puts $5,000 a year into a dependent care FSA

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Francis and Stephen both work at the same company and both make $100,000 a year. Francis puts $5,000 a year into a dependent care FSA and Stephen does not. They both have $5,000 a year in childcare expenses. They are both in the 25% tax bracket. How much Francis save vs Stephen

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