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The cost of child care can be overwhelming, often exceeding mortgage expenses. Recognizing this burden, the federal government has implemented several measures to help families offset child care costs. These include Dependent Care Flexible Spending Accounts (DCFS) and the Dependent Care Tax Credit. Many employers allow employees to contribute to a flexible spending account for child care, enabling pre-tax contributions that are not subject to federal and state income taxes or Social Security and Medicare withholdings. This approach can provide significant savings, particularly for those in higher tax brackets.