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I think I've been doing something un-Foolish by maxing out on my 401(k) contribution early in the year. (This year, for example, I hit the $10,500 limit by late September.) At this point, I can't contribute any more, so my employer match (50% of my contributions up to 6% of my salary; that is, they contribute an additional 3%) also stopped. Should I be spreading my $10,500 (or $11,000 for next year) contribution over the entire year rather than maxing out early?
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