>> Say you turn 50 in June, Do you need to wait those 6 months before putting in the "catch up" monies? <<No. You just have to be at least age 50 by the end of the plan's year. Usually the plan year and the calendar year are the same, and where they are, you just have to turn 50 by the end of the year. You could turn 50 on 12/31/2005 and contribute the catchup money on 1/1/2005.#29
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