I'm lucky to work for an employer that puts a percentage of salary into our retirement without requiring a match. Said employer is finally going through with switching all employees to the same payroll schedule. They've been talking about it for three years and finally one year ago said, "we're going to do it for sure in April 2018." This will mean some employees will be without a paycheck for 4 weeks. There is quite a bit of angst about this. I get it, but again, talking about it for three years and confirmed timing one year ago. There are several options to help make this process easier, including cashing out up to 80 hours of vacation (at minimum people are earning 3 weeks per year. Most people are earning 4-5 weeks per year). I've chosen to cash out vacation. My vacation accrues faster than I can take it and I can't carry over that much, so why not cash out rather than lose it, right? But since I max out my 403b and my HSA, I was concerned that if benefits came out of the vacation cash out I could over contribute for 2018. We had a large meeting about the payrool change last week, where I asked if benefits would be taken out. Today, a co-worker mentioned they were glad I asked because knowing that benefits wouldn't be taken out made them excited. That's a lot of background to tell you this story.
CW: Without the benefits coming out, the check should be bigger. It'll feel like a bonus.
Me: Sure, I guess. I'm just glad it won't effect my 403b and HSA deductions. Though it'd be okay if [employer] still put in their portion!
CW: wait, you put in more than [employer] does?
Me: yes.
CW: I didn't even know you were allowed to do that!
Me: oh... haha... yeah. (thinking: the way things are set up here, especially the last two years, you have to be actively trying to NOT know this)
CW: Not that it matters, only people like you without kids can save money! I wish we saved more.
Me: Oh, well, I'm sure it's harder to save.
CW: It's really hard to save.
CW: **next breath*** Hey, look at the iPhone X I just bought! I got my wife and [teenage] daughter one too! Gave [pre-teen] son my iPhone 7 but I'm thinking I might have to give in and get him one too.
Me: ***Facepalm***