“your 401k match is annually deposited, discretionary each year, slowly vested, and has a ceiling at both the percentage and absolute contribution”

i know most of these are standard(ish) but discretionary each year is insane

still tho ofc the move is to contribute the IRS max for more free roth

okay i said fuck it and sent my contribution percentage to 30%. that’ll hit the limit in a normal year more that 23.5k but accounting will just redirect that to me when i hit the limit. the benefit of doing 30 rather than 25 (which would already be sufficient) is that i can play catch-up this year

i still need to emergency fund plan bc i’m running really low. playing aggressive has kinda worked so far luckily but there’s no need for the risk