You should be getting your “open enrollment” benefits package at work in the next few weeks. It’s the time when you decide whether you are going to contribute to a 401k plan, how much you’re going to contribute and if you are going to take out life insurance. It may be an extremely short list or an exhausting list. But you want to pay attention to some things very closely this year. First of all, employers are drastically changing the options available to you and how you enroll. There are also new rules coming with Flexible Spending Accounts (FSAs) as well. People have been reluctant to take advantage of these plans because they have had a “use-it-or-lose-it” clause. But if you enroll next year, the amount will roll over to 2007. So you have roughly 15 months to spend your money. In addition, for the first time you’ll have access to a Roth 401k. It works like a Roth IRA in that you put after-tax dollars in your 401k plan. For most people, doing a Roth 401k will be more beneficial for you over time because you pay no tax when you retire. You can also put in much more money - $15,000 compared to $4,000 into a Roth. And you can mix and match these two.