Good Job. I max my 401k out every year also, but I just spread it out so it doesn't max till mid Dec. I currently max out two pensions and a 401k. I was hoping this year I'd be able to max out my IRA also, but.... we've had some surprise expenses totaling about 10k. I could pull from my emergency fund to make it happen....but probably won't. Of course the year isn't over yet, but with property taxes Christmas and all the insurance due in December it's tough.