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re: 401k contribution for year maxed out - what next
Posted on 9/21/17 at 1:58 pm to ghost2most
Posted on 9/21/17 at 1:58 pm to ghost2most
More power to ya but that sounds overly complicated 
I just have all 3 pro-rate through the year so they all max out in December. Well, to be fair I have to backdoor the ROTH, but I gather it up during the year. In the future I'll probably just pull that from the taxable wad like you do at the beginning of the year.
Though, the only PITA thing this year was changing jobs made me have to do some calculations and 401k/HSA catch up to get everything back on track after missing a couple weeks contributions due to the job change.
I just have all 3 pro-rate through the year so they all max out in December. Well, to be fair I have to backdoor the ROTH, but I gather it up during the year. In the future I'll probably just pull that from the taxable wad like you do at the beginning of the year.
Though, the only PITA thing this year was changing jobs made me have to do some calculations and 401k/HSA catch up to get everything back on track after missing a couple weeks contributions due to the job change.
This post was edited on 9/21/17 at 2:00 pm
2
Posted on 9/21/17 at 2:29 pm to Teddy Ruxpin
quote:
just have all 3 pro-rate through the year so they all max out in December.
This is what I do. Just a personal choice to stay on an even keel money wise yearround.
Posted on 9/21/17 at 3:54 pm to Teddy Ruxpin
The reason I do the Roth all at one time is that studies have shown you're better off investing a lump sum all at one time rather than dollar cost averaging in.
Of course if you did this right before a crash you're fricked but in general, time in the market is more important than timing it.
Of course if you did this right before a crash you're fricked but in general, time in the market is more important than timing it.
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