2875: Should You Max Out Your 401(k) Earlier in the Year? by Nick Maggiulli of Of Dollars and Data on Retirement Investing

Optimal Finance Daily - Financial Independence & Money Advice

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2d ago 13:06

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Episode 2875:

Nick Maggiulli explores whether maxing out your 401(k) contributions earlier in the year provides a significant financial advantage. While maxing early can offer a slight benefit due to market growth, the impact is modest unless done consistently over many years. The feasibility of this strategy depends on income level, and the importance of checking for employer matching provisions cannot be overstated.

Read along with the original article(s) here: https://ofdollarsanddata.com/max-out-401k-early/

Quotes to ponder:

"Maxing out your 401(k) earlier in the year can make a bigger difference if you do it for multiple years in a row."

"If you are someone who needs every extra dollar you can get, then maxing early should help."

"The benefit of doing so isn’t worth the mental cost."

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