I made some changes to my finances at the beginning of the year. I did decide to contribute to the IRA monthly rather than biweekly. That will free up some money, but I also upped my contribution to the 401k from 50% to 75%. I'll have to keep an eye on it in order to not go over my limit. I'm not sure that my new job calculates the limit for me in order to avoid penalties. At my full-time job, they don't allow you to contribute more than your limit. It's nice that they keep track for you.

Also, I contacted Vanguard because my last 401k contribution for 2016 didn't post until 2017. I don't know if they can reclassify it as a 2016 contribution, but there is that discrepancy between what will be on my W-2 for 2106 and what will be on their records for the 2016 tax year. I don't like that there is a several day delay between when they take the contribution from my paycheck until Vanguard receives it. At my full-time job the contribution goes into my retirement plan the night before I am paid.