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Reply to "WDYD after you max out 401k"
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[quote=Anonymous]Dual earners here - but I contribute 10% of my salary to my 401k. I guess you can guess my salary now but I maxed out the 401k at the end of Sept., so I have 6 paychecks in Oct / Nov and Dec that give me back that 10%. In the olden days I used to just spend it but I’m trying to do something better with it now. We don’t need to save more for retirement - between what I put in and what my husband puts in - we are investing 20% of our income to retirement accounts. I used the 10% from Oct and will put the 10% from 1st paycheck in Nov to pay off my student loans then I’ll be done! (Don’t worry I take out the taxes now - it’s 10% now minus taxes). I’m leaning towards putting the 10% for last paycheck in Nov and all of Dec to our kids’ 529s but just wondered what others do. My husband doesn’t care what I do - but he’s the saver and I’m the spender fwiw. [/quote]
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