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TMFPixy writes (in part):

That would mean you must do so, and you must also keep track of those contributions to ensure you do not exceed the lesser of 20% of your pay or $10K per year.

I reply:

Uh, oh. I just checked with my wife, and her total 403(b) contributions for this year exceed 20% of her gross salary by $160.11. She has received her last paycheck and made her last contribution for the year. How do we fix this? --Bob
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