Originally Posted by
AirBob
what would be the reason to intentially max out the 61k limit early, if the net taxable income is the same.
So. In simplest terms, if you given a choice to invest 61k tax free, would you do it asap, or wait?
BTW, your pay stub blows mine out of the water. Like way out. Nice job.

Front loading (via 401a after tax) is how many of us maximize Roth contributions.