Increase your take-home pay Increase your take-home pay

At first, Joe Smart didn't understand why his paychecks were more every pay period. He thought having a pre-set amount withdrawn from his paycheck into his Flexible Spending Account would mean less take-home pay.

Suddenly, the answer was as clear as the windshield on his freshly washed PT Cruiser. "Eureka!" Joe shouted from his rolled-down window to a passerby, "It's pre-tax!"

For every dollar he puts into his FSA, Joe saves on taxes not withheld. And just like that, Joe increased his take-home pay by $25 a month -- plus, he has money set aside for his 2014 health care expenses.

"My mom always said I was her smartest son," Joe said. Yes, Joe, but you don't have any brothers.

See if you can bring home more money like Joe.

Win $250 by helping Joe. Go to http://www.KansasFSA.com to submit your most creative, interesting (and legal) ideas for how to spend the money Joe can save in 2014 with his FSA. Hurry. Contest ends Friday, Sept. 13.