I was reading my benefits information again and just realized that my employer not only matches pre-tax contributions, but ALSO post tax spillover contributions. They contribute $2 for my $1, up to 3% of base pay - for both pre AND post tax. I already max out my 401K yearly pre tax contribution, but now I'm considering upping my contribution so I at least get their matching dollars for the 3% post tax.
I currently dump all my contributions into the Vanguard VTSAX option they provide us, and all my contributions are immediately vested.
I also already max out my yearly ROTH contribution as well into VTSAX.
3% Post tax, I would be looking at ~$208/monthly contribution and then my employer kicking in another ~$416/month.
Is this a wise move to add the post tax contribution so I get the employer 3% match? Is it as straight forward as I think it is?