Thanks so much for the good advice from everyone. :)Another question. My husband works for an hourly wage plus overtime, making it hard for us to predict which percent of his income will come closest to $10,500. If we max out at 16% (max his company allows for contribution) and he gets as much overtime as he has so far this year, we'll definitely go over the limit, for which I understand there are penalties. 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? Drop contributions for the rest of the year? Has anyone else run into this problem and how did you solve it?Thanks Fools
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