Contribute the maiximum that the plan allows, you'll thanks us in the long run. At first you might think that it is a big chunk out of your paycheck but you will learn to budget accordingly to you new found wealth. Another reason that I recommend the maiximum ASAP is so that you can begin to realise your raises in you take home pay once they occur(what is that you said). If oyu do not contribute the maiximum from that get go an each time you get a raise you up your deferral percentage you are not really realizing your raise because as you riase your deferral your raise will coverthe increase. So the moral is contribute the Maximum from day 1.Tigger
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