<prompt> Human: Hello everyone. First time poster on this subreddit. Hopefully you can share some of your great advice Ive seen around here. My employer recently had an orientation about our 401k plan. The orientation comes belatedly, as I have been working at the company for about 3 years and have been eligible for the 401k plan for the past 2 years. In any event, I do want to take advantage of the max amount of contribution to the 401k--17.5k for this calendar y ear. However, it is already July, meaning I would have to contribute a larger chunk of my salary for every pay period into the 401k to meet that 17.5k goal by the end of the calendar year 6 months of investing versus the normal 12 months. Is there any downside to doing so? The 401k plan does not have a matching option, but they automatically contribute 3 of my annual salary into the 401k each year regardless of whether or not I contribute anything this 3 is in addition to my salary, not a deduction from my salary, if that makes sense. Is there any downside other than less money in my pocket to contributing as much money as possible from each pay check into my 401k to meet that 17.5k goal in 6 months versus 12 months, under the above circumstances? Thanks in advance.  <response>: No downside comes to mind, if you can afford it, what a great idea : 