So I'm pondering the possibility of next year perhaps being my last year at my current job...in order to maximize tax-free investment into the 401K, I'm pondering front-loading. I will not be able to afford to fully fund the 401K, but I could probably do about $10K for the year.
I am on track to have between $10K and $15K in after-tax savings at the end of this year. In your opinion, would it be wise for me to divert my whole paycheck to the 401K and HSA accounts for the first couple of months at least of 2016 and live off my after-tax savings until I get about half of my yearly goal for pre-tax savings in the bag? I'm reluctant to use my after-tax savings because I want this to be my FU Money, but if it would help me, I will. If I front loaded about $4-5,000 in the 401K at the first of the year, then I could scale back in March and only put in about $300 per paycheck, I think.
What do you think?