<prompt> Human: I do some work as an independent contractor and some work part time at a company that I contribute 35 of my pay into my 401k. After tax, I earn about 400m from that company. My monthly expenses are about 1000-1200m. The gap is obviously made up by my independent contracting work. I started a Roth IRA last year and contributed the max for last year and this one. I still had savings left over, along with some surplus income every month that I put into taxable accounts with Vanguard. Would it be better to just contribute 100 or just a higher amount in general to my 401k and if I dont have enough money at the end of the month, start withdrawing from the taxable accounts or should I continue as is, investing my monthly surplus into the taxable accounts?  <response>: Most plan documents Ive seen have an upper limit but often its 90 or 95 of pay. You should talk to your plan administrator. If the plan allows it Id say go for it. Since youre a non-highly compensated employee it will probably help them pass their ADP test if the plan is subject to it. This is of course assuming you have no debt, an emergency fund, decent fund options in your companys plan, and no savings goals besides retirement. 