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I concur with Decath that you should know exactly how your company 'matches'. I made the mistake one year and did the full contribution over the first six months and missed out on half of my company's match! Be careful!

Also, by contributing over 12 months, the advantages of dollar cost averaging come into play, as well as more take-home dollars each paycheck (if that matters to you).

Put that extra cash in the first six months into a Roth if you qualify.

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