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re: Maxing Out 401K, Setting 100% of Paycheck to go to 401K
Posted on 5/18/18 at 7:39 pm to brian_wilson
Posted on 5/18/18 at 7:39 pm to brian_wilson
Plans typically don’t let you go over a certain % at a time ie you can’t do more than 60% at any point.
This post was edited on 5/18/18 at 7:41 pm
0
Posted on 5/18/18 at 10:55 pm to crazycubes
Posted on 5/19/18 at 8:56 am to cave canem
quote:
I have worked for a few large companies during my carreer and have yet to see one that adds a match if you don't on a monthly basis,
That's the way it is where I work. I do my Roth contribution the first week of January, and would do similar with my 403b, but I can't if I want the match.
Posted on 5/19/18 at 10:26 am to crazycubes
quote:
Thanks!
If you hitting 18.5K in 1st quarter you a baller my man
Posted on 5/19/18 at 1:01 pm to cave canem
quote:
Absolutly not for most people, you will be giving up the matching funds for the rest of the year.
This, plus you're not getting the advantages of dollar-cost averaging.
Posted on 5/20/18 at 12:11 am to TheWiz
quote:
Interesting. I think ours just does 4% w/ a $4k cap. I don't think you have to contribute every month.
Mine still contributes 6% profit sharing and 6% "retirement", but the match is lost if you do not contribute in a pay period.
I have to play with this every year or I hit either of the two caps, individual or total.
Posted on 5/20/18 at 12:11 am to cave canem
Just checked my company's 401k. They true up at the beginning of the following year. So, not losing out on that one.
Posted on 5/20/18 at 4:44 am to crazycubes
Why would you do this? We only get our percent match per pay period. If you max out early you miss out on the percent match the rest of the year. I have equal payments to hit the match and put extra in Roth IRA until limit is reached then move to an equitable account.
Posted on 5/20/18 at 7:34 am to TimeOutdoors
Great discussion.
It looks like there is no significant advantage to hitting $18,500 early.
This has always been tough for me to hit the number on the head. We are bonused out every quarter . And, the bonuses can swing wildly.
We had a big bonus come in. Coincidentally , that caused me to hit $18,500 last pay check.
Any who, as I said before, the company trues up the following year anyway.
for all the advice.
It looks like there is no significant advantage to hitting $18,500 early.
This has always been tough for me to hit the number on the head. We are bonused out every quarter . And, the bonuses can swing wildly.
We had a big bonus come in. Coincidentally , that caused me to hit $18,500 last pay check.
Any who, as I said before, the company trues up the following year anyway.
for all the advice. 
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