Glad to help! Keep in mind that if you contributed to a 401(k) at a different employer in 2023, you will need to subtract those contributions from your 2023 limit to avoid overcontributing.

I would just calculate based on your base salary. If you get the bonus, you can recalculate and adjust the percentage down afterward. Most bonuses are paid at the beginning of the following year anyway, which means your 2023 bonus will probably be paid in 2024 and count towards the 2024 limit, not 2023.

How much can you afford to contribute?

Assuming your goal is to max it out, that would be $22500. Assuming you have 20 paychecks left, it will probably take a full paycheck cycle for the contribution to update, so I will assume you are splitting that among 19 paychecks, for a contribution of $22500/19=$1184 per paycheck remaining. Each paycheck has a gross salary of $175k/27=$6481, so you would contribute $1184/6481=18.2%. Note this does not include your bonus.

Are you trying to calculate the annualized yield, or an APY?

Annualized yield: (4000/3986)^(365/28) -1 = 4.68%

APY: (4000/3986 - 1)(365/28) - 1 = 4.58%

>There’s no statute of limitations on fraud, because that is in fact what putting a down payment on a vehicle is

Putting aside the fact that putting a down payment on a vehicle is not fraud, the statute of limitations on fraud is generally ten years.

The invoice says deposit, so she probably put down a deposit to have them hold a car for her, and once she paid for the car she got the deposit back.