As a general rule, most people need three to six months' worth of living expenses in an accessible emergency account. But if you are going to pay for child care, you might as well use some pre-tax dollars to cover your expenses, and that's where a dependent-care flexible spending account (FSA) comes in handy. Say your child is in care that 180-240 hours a month but another child is in care only 70 hours a month. 5,000 a year (assuming you're a couple filing jointly) in pre-tax dollars for eligible child care costs like day care, preschool, or summer camp so that you and your partner can work or look for work. Not only will you need to figure out coverage for yourself, but you'll also have your child to worry about. The cost of child care these days is so high that many new parents actually wind up getting priced out of returning to work. They are likely to be increasingly connected to both as health care systems realize that they may not be able to provide the desire...