I am the same way, after having royally screwed up one year (on a similar employer-provided benefit, not a health FSA). I donated several thousand of my pre-ta

I am the same way, after having royally screwed up one year (on a similar employer-provided benefit, not a health FSA). I donated several thousand of my pre-tax dollars to the state of California because I missed a deadline and the funds were use-it-or-lose-it. The ADHD tax is real, and this article calls out its mechanism exactly, though not by this name.