If you are going to hit the $12K cap before the end of the year, keep your 401k contribution below that amount, whatever percent that is. Bingo! It would be terrible to hit the $12K limit too early in the year, and miss out on any matching money for the remainder of the year.This is what I was thinking, but how do I figure out what the proper % is to get the most out of matching and my own contributions, especially since I do not know my salary for next year?
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