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Take note of every possible benefit you could be using in a spreadsheet. Take the time to either set up the account or other steps needed to start taking advantage of each one. If you need to plan in advance for any, like PTO, make those decisions before the year starts if you can. If you want to leave a few days in the tank in case of emergency/need to decompress after a busy period, do that too, but have a definite time you will use them at the end of the year if you haven’t used them yet. Whenever benefits change, go update your spreadsheet and get the new ones set up. Once you’ve got them working for you they will not seem so daunting and you’ll be educated on what is available to you.