Can someone explain how to maximize the 401k employer contribution -- by when during the year should I have invested the full $18k to get the 1.5% match?

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Only 1.5% match? Woof. They should make their match with each paycheck you contribute. So long as you are allocating more than 1.5% each pay period, you will receive the max

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I thought 5-6% was standard...

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A lot of firms pay out the full match in a lump sum once a year.

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