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Your situation probably arises because your employer does not pass the "discrimination test".

That's a stupid rule. I understand the intent, but let's be real here. If you make $85K a year, it's very likely that you can afford to contribute more than 2% more than someone making $30K. If you're making $30K a year, it's all too likely that you feel you can't afford to put anything into a 401(k) - any savings is likely to be in an emergency fund, not a retirement account.

- Gus
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