At the time of calculating your 401k contribution, please consider your bonus and other payroll incomes too. Sometimes companies do convert some of that into 401k contributions (good for you) but you may reach your yearly goal faster than you needed to.
As an example:
If you are making $1,00,000 and planning to maximize your 401k contribution for year 2015, you would need to contribute 18%.
Let's say if you have a variable bonus of $20,000. That actually bumps up the amount you earn to $1,20,000, which means you need to bring down your contribution to 15%.
If you keep your contribution at 18%, you are likely to reach that in 10 months - with no contribution from your paycheck in last two months (and likely, no contribution from your employer, unless they do a true match).
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