<prompt> Human: I already contributed 1800 this year. Should I max out my 401k in the first 4 months of the year? My employer matches upto 4k. I am not sure if i have to invest x whole year to get maximum match from my employer. But I want to invest maximum possible in next 2-4 months. I am getting 15k bonus next week, and I have enough saving for 3 years. Also putting 5k in IRA account for 2011.Is this a bad idea? why?---edit: My company matches 50 of my contribution up to 4k.  <response>: If you wanna increase your savings since apparently you love saving, see if you qualify for an HSA. Some call it a super IRA 