re: 401k contribution for year maxed out - what next

Good post. Thanks for the info and some food for thought. At my company, they give us $1,000 to go toward the high deductible plan if we choose it.

There are really very few restrictions on investing, no limit that you must have liquid. For the last few years, I just take the money and put it in the market.

My wife isn't on my insurance so I'm capped at $3,400. For the first few years, I never even went to the doctor so this was even better.

This year, I had an eye injury and probably spent about $1,200 out of pocket on doctor, RX, etc.

Was considering switching to another plan with a traditional co-pay, etc. but I'm second guessing that now.

It's a fine line of wanting to save and not wanting to skimp on medical stuff because I don't want to pay for it, haha.