The benefits where my wife currently works are about to change. In 2017 she was able to contribute to a Dependent Care FSA and was putting in $5,000. With her new benefits, the dependent care fsa will no longer be available. However, until now she has only been putting $10,000 into her 401k annually (I know, I know, should have been maxing it out!). Any financial downside to her now shifting the $5k that would have gone into the Dependent Care FSA over to her 401k in 2018? On the surface it seems like it's a wash but wanted to see if there was something I'm missing.