I have been banging around in my account info area and LES informationals and it seems most of the information is concerning the amonts allowable. Ok I got that but what about the subtle stuff? My concern is that I don't want to "Arrive" at the $16, 500 to early and thus get cut off my agency portion of the contribution. That said how do you know when to get paying into the catch up portion? From my limited perspective so far it seems like a bit of a Catch-22. I do want to max out as close as possible this year. Can one of you guys who had done this deed up right fill me in on this and / or point me to the deep hole of the internet where all the info is on this? Also, sorry if this is the wrong forum for this subject, it's the closest I could decide on. Thanks, Driz.