Originally Posted by
Meme In Command
MBCBP question:
Chatting with a buddy about where to put our PS. He mentioned not maxing 401k and waiting till the end of the year to max it to avoid how much cash goes into the MBCBP and optimize how much cash goes in hand. Does it actually work like this if you wanted to work around the MBCBP?
2026 401k limits
personal- $24,500
Combined -$72,000
income limit $360,000
the max DL can put into your 401k for 2026 is $64,800 (18% of $360,000) if you are trying to minimize your 401k contributions, you can either contribute a flat 2% or stop contributing at $7,200. I cannot remember if the PS election tool allows us to make a dollar amount or just %, but either way you could use that to get close to $7,200 and put the rest in after you hit the income limit. Or just do 2% all year.