Your Money.

USE IT OR LOSE IT: Only about half of employers are giving workers until mid March to use up money in their flexible spending accounts for health care. If your employer isn't one of them, spend the cash by year-end.

ON THE RISE: Social security benefits will go up 4.1% in January. Maximum: earnings subject to social security tax jump from $90,000 to $94,200.

GET RICH SLOWLY: The number of households with a net worth of more than $1 million rose by 8% in 2005, to 8.9 million. The secret: sticking to an investment plan.

IN THE DARK: A study of health-care consumers shows that, on average, those questioned could predict the price of a Honda Accord within $300, but they were off by $8,100 on the cost of a four-day hospital stay.

SNEAKY SPOUSES: Both men and women say cash is the number-one item they ate most likely to hide from their spouse. Women are more likely to maintain a bank or brokerage account to which their spouse doesn't have access.

PHOTO (COLOR)