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There’s no “right” answer to this. I evenly space out my contributions over the year in order to get the most out of my company match. I don’t deduct 401k from my bonus because it’s variable and would throw off that calculation.
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I think this is a great strategy.
It does depend a lot on your situation. I liked taking out of my bonus because I had catch up to play with my 401k. If you have some urgent or high-interest debt and are up to date with retirement, then that makes more sense to just take advantage of all you can take home from it.
Depends on the individual’s situation. I contribute to my 401(k) with every check, but don’t with my bonus. Even though it gets heavily taxed, I put the entire thing straight into savings.
If you’re missing out on employer match, then not doing 401k out of your bonus is a mistake. At very least, do the contribution needed to maximize your employer match