Sparks: Year-end giving, FSA dollars, investing & more

The big number:

1.76B

The number of candy canes sold in America each year, 90% of which are bought between Thanksgiving and Christmas.

Did you know?
The end-of-year giving rush

About 36% of charitable giving in 2025 happened in the fourth quarter, and December alone accounted for about 18% of all giving for the year, as people looked to make a difference before the end of the year.

But generosity doesn’t have to wait for a deadline. Planned giving throughout the year can help you support the causes you care about when needs arise—not just when the calendar says it’s time.

Find tips for creating your giving plan.

The breakdown: The power of compound interest

Does it make a difference when you start investing or saving for retirement? Thanks to a little thing called compound interest, the answer is a resounding YES. Below, you can see how the same annual contribution can grow into very different outcomes based on one factor: when you start investing1.

$228K

Amount of compound interest earned when you start investing at age 45

$644K

Amount of compound interest earned when you start investing at age 35

$1.54M

Amount of compound interest earned when you start investing at age 25

Every year matters. Make this one count.

A Thrivent financial advisor can help you build an investment strategy that considers how compound growth can impact your financial goals. Find one near you.

Everything is easier with a plan. If you don’t have a plan, you have tunnel vision. But with a plan, you can see the big picture, and it allows you to be more generous, as well as take care of your own finances and needs.
--Skip Holley, Thrivent client

Defining finance: Liquid assets

Liquid assets are things you own that can be easily and quickly converted to cash. Examples include the cash in your wallet; money in checking, savings and money market accounts; and some securities, such as stocks, exchange-traded funds (ETFs) and short-term bonds. Your home, on the other hand, is considered an illiquid asset. It could take months from when you decide to sell to when a buyer closes on the home and the funds are available in your bank account.

Surprising ways to use up FSA dollars
Make the most of your remaining flexible spending account (FSA) dollars before they expire at the end of the year2 with these unexpected, everyday products.

Skincare and sunscreen

Some skincare products are FSA eligible, including sunscreen, many eczema creams and some over-the-counter acne products, such as cleansers and pimple patches. Some light therapy devices that help reduce acne, scarring and muscle pain are also FSA eligible.

At-home testing

Get a clearer picture of your health with at-home health test kits, testing anything from hormones and thyroid health to cholesterol levels, heart health and more. Health-only genetic testing kits are also FSA eligible and might tell you if you’re predisposed to developing certain health conditions.

Wearable health and fitness trackers

Some wearable health and fitness trackers—particularly those with built-in diagnostic features like blood oxygen or heart rhythm monitoring—are FSA eligible and can help you monitor wellness metrics in real time to support long-term health goals.

Sleep aids and devices

Everyone needs adequate sleep to thrive. If you find yourself struggling, items like nasal strips, sleep aids, pain-relieving eye masks, humidifiers and CPAP machines are FSA eligible and can support more consistent, restorative sleep.

Written by Bella Norcross

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1This analysis is for educational purposes only. Actual investment results will vary. Consult a financial or tax advisor for guidance specific to your situation.

2Some plans allow a certain amount of money to roll over into the next plan year. Speak to your plan administrator about rollovers.

Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.
Investing involves risk, including the possible loss of principal.
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