<prompt> Human: If I started working 2 months ago, can I still max out my 401k for this year? Im able to just defer a much larger portion of my paycheck to my 401k for the rest of the year, right? Is this the smartest thing to do? I have no debtsetc  <response>: It depends on how your employer does things. Some of them have limits on total deductions per paycheck, especially re: e.g. matching.But other than those, if you could put away 18K in a couple of months, the IRS doesnt mind. 