Oh well, lesson learned: don't forget about 401k until the end of the year-----------I take my base hourly rate, multiply buy 40 (hours per week) and then multiply by 26 (weeks)to get my annual estimated salary. This does not include OT, call pay and other additional monies. Then I take the annual amount I can contribute (in my case $15k) and determine the percentage to withdraw per pay period to meet that number. adjust my withdrawals accordingly, knowing full well that OT and other monies will help me hit that max before the year end.Rinse and repeat.MZ4
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