[ghaff]

>If you're earning less than $130,000 a year, you are eligible for an FSA

Assuming you mean a flexible spending account (for healthcare out of pocket), you're certainly not capped at $130K/year in the US. Your broader point is of course true.

[cbsmith]

If you are single, the limit is 130,000/yr. After that you can have an HSA, but FSA.