Here's another snapshot for a new FO like myself who’s not making $305K. The magic income number for me to max out $61K is $238,236. This is the income where at maxing out the ATTD at 5% can bridge the difference to $61K. It’s an important income number because once I start making more than $238K, I will want to start reducing my ATTD contribution down from 5%; otherwise, toward the end of the year I’ll prematurely hit the $61K contribution limit and UPS will no longer be able to contribute to the DC.