re: 401k - Putting in more than the company match pros and cons

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My company puts 4% in, I’m putting 12% right now which gets me to the annual IRA max by mid year since bonuses are paid in march.

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Are you sure you're getting full match even after hitting employee contribution limit early? Some employers offer "true up" at end of year. Others only match during pay periods you contribute so maxing early in year could mean losing out on full year's match.