7 months late to opening a new 401k with my new employer (old one with Fidelity, new one with a small boutique provider with limited investment options which delayed me, but it was mainly attributed to laziness). Any advice on what I should do now? Don’t want to miss out on free money anymore. Should I lump sum a contribution as catch-up?

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It’s always good to contribute to your 401k. If you can do a lump sum to catch up, then do it. I always max out my 401k and I think my future self will be very happy with that decision. Sometimes you can be limited to what you can contribute to your 401k from each paycheck (eg 30% of your pay). Be aware of any rules like that which could apply.

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