I'm going to have to do some calculating on how short that leaves me, especially this year, when I've had money withheld for the HSA at least Jan-Apr.
In an ideal year, I'll put summer pay of the max HSA contribution minus $1,500 ( my $750 to get the match and the $750 match itself; with an HSA, both count toward the max contribution).
Hmm. So, in the fall, I will have an extra $580 to go into the 403(b) -- I'm funding the 457 in full first since it's easier to access in early retirement if we want to. Right now I'm putting in $1045 a month, and I put nothing in during January because we thought (erroneously) that we'd have to buy a car for cash in a hurry that month. (That saga is on this forum somewhere, too.)
So, I'm putting in $1950 a month in the 457. In February, I only put in $1900 because I was trying to find the right amount without going over. So, 1900+(1950*8)= $17500. That's maxed out.
In the 403(b) I've put in $1045 for Feb-May (too late to change this for May for sure; it's a paper form and takes time. I just confirmed with our HR head -- the HSA changes won't go through until fall, either). So, I can put in five more months at $1045+$580= $1625 a month. That'll be a grand total of (1045*4) + ($1625*5)= $12305. I am also scheduled to teach an overload course in the fall for an additional $2500, so add that for $14,805. I'm getting close! (And isn't it weird that extra money during the year can go in, but not summer.)
Anyway, that leaves me $2695 short of maxing all three accounts this year, and I think I can do that next year if I optimize the HSA. Well, if I optimize the HSA and teach an extra course during the school year, which is not something I like to do. And if the Feds don't raise the max contributions.
But I'm getting into the realm of first-world problems here, so I'll just say thanks for the idea. It helps.