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Highwayman1717 OP t1_jeg0mi2 wrote

Reply to comment by Werewolfdad in Tricky Retirement Shuffling as I try and jump jobs by Highwayman1717

To an extent, absolutely. Bigger snag is not having 4 grand in the extra checks to fill the Roth and scrambling to fill it without cutting hobbies and travel. Now that it’s ‘okay’…Little details as you said, like calendar timing and how to shift to new accounts.

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Werewolfdad t1_jeg0t9t wrote

The four grand is in your new checks

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Highwayman1717 OP t1_jeg0z2k wrote

Absolutely! But do I use it to get ahead and back to the calendar schedule, etc.

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Werewolfdad t1_jeg1cg2 wrote

Get ahead of what?

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Highwayman1717 OP t1_jeg1l6n wrote

I’m contributing on a May-April schedule next year because I had to hustle to pay the limit this year due to this jump. I could add enough to change the payment schedule back, or keep it the same schedule because the only benefit is clearer scheduling and the money can go elsewhere.

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alwayslookingout t1_jegn80w wrote

You’re making this so much more confusing than necessary. The 401K and HSA are the only two accounts that matter because they’re pulled from your paychecks each month. Your IRA can be contributed whenever you have the money. Hell, you have until April of next year to fill up the prior year’s IRA.

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