How many of you Deloitters modify your 401k allocations before AIP hits...? Just remembered there's no opt-in/out and it gets pushed to Vangaurd...

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It's not the end of the world but had I remembered to lower it, I could have used the extra cash for my upcoming vacation

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I set a reminder on my calendar every year to shut it off for this pay period

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So what's the big deal? You max out the 401k early?

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Thanks for tip next time @ D4

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@D3*

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D5 I don't understand your post. If you are putting 10% in pretax, isn't that great that your bonus gets 10% put in pretax?

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Wish I had but forgot to do it in time :(

Oh i never thought about that

Ohhhh now I get it. Seriously? Ok, say we have vanguard set to take 10% of our paycheck for our 401k. When our paycheck when our bonus hits, it takes 10% of the total so part of our bonus gets taxed and put into our retirement account? Not cool. I was thinking how it would know the difference, but good point that it prob wouldn't

The issue is maxing out before the end of the year to spread out throughout the year and to gain maximize matching. I reset my withhold at the beginning of the year rounding down a percent or so in January and the reset after AIP hits to spread the rest to the end if the year.

*then reset

Pretty sure match is not calculated with each paycheck. So if maxing early, you still receive the 1.5% of salary lump match in May timeframe.

Already maxed it suckers. Full bonus in my pocket. That $50K bonus is going to taste really good going down.

D8, $50k bonus? What level are you? I didn't even know that they went that high

Senior manager, guey

Director bonuses are six figs, by the way

D8 what will you do with your fat cash bonus?

Wow, this is great to know. I wonder how federal's bonuses compared to commercial's bonuses when it comes to SM+

DD - probably nothing. D5 - federal is paid a lot less

I suspended my deduction altogether when I forgot to lower it before my milestone bonus! Fucking done with this shit for the year. PwC match is ridiculously small anyways.

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