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Kristl1952 asks:

<<While I am keeping track of what we're putting in, how would I keep us from going over the limit when I saw it getting close? >>

The payroll department of most employers keeps track of this and normally will automatically stop the contributions when they reach the maximum level. Have your hubby ensure this is the case with his company. If not, you will have to keep track and stop the contribution. Alternatively, you could wait (I don't recommend this) until the plan goes through its compliance tests for the year. At that time, the over-contribution would be refunded. The problem, though, is it would then have to be claimed as income and you may have already sent in your tax return for the year. Thus, if the company doesn't keep track, then you should.

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