Deprecated: Return type of WP_Theme::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-theme.php on line 554

Deprecated: Return type of WP_Theme::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-theme.php on line 595

Deprecated: Return type of WP_Theme::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-theme.php on line 535

Deprecated: Return type of WP_Theme::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-theme.php on line 544

Deprecated: Return type of WP_REST_Request::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/rest-api/class-wp-rest-request.php on line 960

Deprecated: Return type of WP_REST_Request::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/rest-api/class-wp-rest-request.php on line 980

Deprecated: Return type of WP_REST_Request::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/rest-api/class-wp-rest-request.php on line 992

Deprecated: Return type of WP_REST_Request::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/rest-api/class-wp-rest-request.php on line 1003

Deprecated: Return type of WP_Block_List::current() should either be compatible with Iterator::current(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-block-list.php on line 151

Deprecated: Return type of WP_Block_List::next() should either be compatible with Iterator::next(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-block-list.php on line 175

Deprecated: Return type of WP_Block_List::key() should either be compatible with Iterator::key(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-block-list.php on line 164

Deprecated: Return type of WP_Block_List::valid() should either be compatible with Iterator::valid(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-block-list.php on line 186

Deprecated: Return type of WP_Block_List::rewind() should either be compatible with Iterator::rewind(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-block-list.php on line 138

Deprecated: Return type of WP_Block_List::offsetExists($index) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-block-list.php on line 75

Deprecated: Return type of WP_Block_List::offsetGet($index) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-block-list.php on line 89

Deprecated: Return type of WP_Block_List::offsetSet($index, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-block-list.php on line 110

Deprecated: Return type of WP_Block_List::offsetUnset($index) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-block-list.php on line 127

Deprecated: Return type of WP_Block_List::count() should either be compatible with Countable::count(): int, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp-block-list.php on line 199

Deprecated: Return type of Pimple\Container::offsetExists($id) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/vendor-prod/pimple/pimple/src/Pimple/Container.php on line 133

Deprecated: Return type of Pimple\Container::offsetGet($id) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/vendor-prod/pimple/pimple/src/Pimple/Container.php on line 98

Deprecated: Return type of Pimple\Container::offsetSet($id, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/vendor-prod/pimple/pimple/src/Pimple/Container.php on line 79

Deprecated: Return type of Pimple\Container::offsetUnset($id) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/vendor-prod/pimple/pimple/src/Pimple/Container.php on line 143

Deprecated: Return type of iThemesSecurity\Lib\Lockout\Execute_Lock\Context::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/core/lib/lockout/execute-lock/abstract-context.php on line 60

Deprecated: Return type of iThemesSecurity\Lib\Lockout\Execute_Lock\Context::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/core/lib/lockout/execute-lock/abstract-context.php on line 66

Deprecated: Return type of iThemesSecurity\Lib\Lockout\Execute_Lock\Context::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/core/lib/lockout/execute-lock/abstract-context.php on line 72

Deprecated: Return type of iThemesSecurity\Lib\Lockout\Execute_Lock\Context::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/core/lib/lockout/execute-lock/abstract-context.php on line 76

Deprecated: Return type of iThemesSecurity\Lib\Lockout\Execute_Lock\Context::getIterator() should either be compatible with IteratorAggregate::getIterator(): Traversable, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/core/lib/lockout/execute-lock/abstract-context.php on line 56

Deprecated: Return type of ITSEC_Lib_Distributed_Storage_Cursor::current() should either be compatible with Iterator::current(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/core/lib/class-itsec-lib-distributed-storage.php on line 578

Deprecated: Return type of ITSEC_Lib_Distributed_Storage_Cursor::next() should either be compatible with Iterator::next(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/core/lib/class-itsec-lib-distributed-storage.php on line 585

Deprecated: Return type of ITSEC_Lib_Distributed_Storage_Cursor::key() should either be compatible with Iterator::key(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/core/lib/class-itsec-lib-distributed-storage.php on line 606

Deprecated: Return type of ITSEC_Lib_Distributed_Storage_Cursor::valid() should either be compatible with Iterator::valid(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/core/lib/class-itsec-lib-distributed-storage.php on line 613

Deprecated: Return type of ITSEC_Lib_Distributed_Storage_Cursor::rewind() should either be compatible with Iterator::rewind(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/core/lib/class-itsec-lib-distributed-storage.php on line 620

Deprecated: Return type of WPCF7_FormTag::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/contact-form-7/includes/form-tag.php on line 395

Deprecated: Return type of WPCF7_FormTag::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/contact-form-7/includes/form-tag.php on line 387

Deprecated: Return type of WPCF7_FormTag::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/contact-form-7/includes/form-tag.php on line 381

Deprecated: Return type of WPCF7_FormTag::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/contact-form-7/includes/form-tag.php on line 399

Deprecated: Return type of WPCF7_Validation::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/contact-form-7/includes/validation.php on line 78

Deprecated: Return type of WPCF7_Validation::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/contact-form-7/includes/validation.php on line 72

Deprecated: Return type of WPCF7_Validation::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/contact-form-7/includes/validation.php on line 59

Deprecated: Return type of WPCF7_Validation::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/contact-form-7/includes/validation.php on line 82

Deprecated: Automatic conversion of false to array is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/better-wp-security/core/modules.php on line 137

Deprecated: DateTime::__construct(): Passing null to parameter #1 ($datetime) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-includes/script-loader.php on line 348

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/conditionals/third-party/elementor-edit-conditional.php on line 22

Deprecated: Constant FILTER_SANITIZE_STRING is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/conditionals/third-party/elementor-edit-conditional.php on line 28

Deprecated: Return type of Requests_Cookie_Jar::offsetExists($key) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/Requests/Cookie/Jar.php on line 63

Deprecated: Return type of Requests_Cookie_Jar::offsetGet($key) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/Requests/Cookie/Jar.php on line 73

Deprecated: Return type of Requests_Cookie_Jar::offsetSet($key, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/Requests/Cookie/Jar.php on line 89

Deprecated: Return type of Requests_Cookie_Jar::offsetUnset($key) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/Requests/Cookie/Jar.php on line 102

Deprecated: Return type of Requests_Cookie_Jar::getIterator() should either be compatible with IteratorAggregate::getIterator(): Traversable, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/Requests/Cookie/Jar.php on line 111

Deprecated: Return type of Requests_Utility_CaseInsensitiveDictionary::offsetExists($key) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/Requests/Utility/CaseInsensitiveDictionary.php on line 40

Deprecated: Return type of Requests_Utility_CaseInsensitiveDictionary::offsetGet($key) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/Requests/Utility/CaseInsensitiveDictionary.php on line 51

Deprecated: Return type of Requests_Utility_CaseInsensitiveDictionary::offsetSet($key, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/Requests/Utility/CaseInsensitiveDictionary.php on line 68

Deprecated: Return type of Requests_Utility_CaseInsensitiveDictionary::offsetUnset($key) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/Requests/Utility/CaseInsensitiveDictionary.php on line 82

Deprecated: Return type of Requests_Utility_CaseInsensitiveDictionary::getIterator() should either be compatible with IteratorAggregate::getIterator(): Traversable, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /home/wilbul4/maxoutofpocket.com/wp-includes/Requests/Utility/CaseInsensitiveDictionary.php on line 91

Deprecated: trim(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-includes/class-wp.php on line 173
Front-Loading and a $2,690 Pay Check - Max Out of Pocket
Deprecated: parse_str(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-includes/formatting.php on line 4975

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: strtolower(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/wordpress-seo/src/generators/schema-generator.php on line 176

Deprecated: ltrim(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-includes/wp-db.php on line 3030

Front-Loading and a $2,690 Pay Check


Deprecated: ltrim(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-includes/wp-db.php on line 3030

Deprecated: parse_str(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/jetpack/class.jetpack.php on line 4222
Max OOP at the top of his class.

There is no telling what my Human Resource department thinks of me.  They finally stopped asking questions about my erratic 403(b) retirement contribution requests and just process them now as is.

I changed my contribution from 85% of my salary to my upper limit of 87% for several pay periods while I was front-loading. Then down to 19%. For yesterday’s check, I went all the way down to a 3% retirement contribution.  It will likely be about 5-6% for the rest of the year.  All in the name of an experiment for the Max Out of Pocket blog!

The 3% contribution was set to illustrate what a normal Average Joe Saver contribution might look like for someone in my position.  Thus, I got a normal paycheck on 4/12/2019! Much larger than my $12.00 paycheck from 3/1/2019, but I paid a lot more in taxes too.

Front-Loading Re-Visited

As you know, maxing out my 403(b) retirement account in 2019 defers 22 Cents on the Dollar in federal tax for Mr. and Mrs. Max OOP.  This totals $4,180 in deferred tax that will be invested into over 500 of the best companies on the planet. I also get a 3% match from my employer as long as I contribute at least 3% of my salary every pay period.

Front-Loading gets me part of that $4,180 tax deferral even earlier.  Employers calculate federal tax after the retirement contribution each check, so the greater the retirement contribution the less federal tax paid for that pay period. FICA taxes and medical insurance premiums stay the same regardless of the retirement contribution.

Here are the results of my experiment. It clearly shows the federal tax burden increase as my retirement 403(b) contribution decreases.  As you can see, I am modeling this for two alter egos at my hospital that make exactly the same amount as me. Please allow me to introduce Average Joe Saver and Even Steven.

Max OOP taking home more than $400 than his closest peer, what a playmaker.

THE TALE OF THREE SAVERS

AVERAGE JOE SAVER

Since Average Joe Saver read my Matchmaking article, he set his 403(b) retirement contribution at the minimum amount required by our employer to capture the 3% match over 26 pay periods. Why would Average Joe save any more than that? After all, considering where the world is, he figures he probably won’t live to see retirement. He will save 3% just in case he makes it through life’s gauntlet and needs a few dollars to celebrate by sharing a Guinness with his closest nursing home buddies. For my 4/12/2019 check, I set my contribution all the way down to 3% to model Average Joe Saver. As you can see, Average Joe will need to pay about $600 to the federal government for 26 pay periods totaling almost $16,000. He also gets the largest amount deposited into his checking account every week. Average Joe Saver gets a C for showing up to class.

EVEN STEVEN

Even Steven is pretty slick. He knows that he should max out his retirement account at $19,000, but he thinks front loading is too advanced for him. He also isn’t sure he can fund his weekly micro-brew tasting club and keep his house heated to an even 75 degrees on a $12 paycheck. Steve opts to just put in the same amount all 26 pay periods. Nothing wrong with this, just not fully optimized.   

I decided to model this with my 3/29/2019 paycheck. In a perfect world, this would come out to $731 for 26 pay periods ($731 X 26 = $19,000).

But, my employer makes me select big “round” contribution percentages to make their life easier. So in this case, 19% ($738) is the closest I can get to an equal distribution over 26 pay periods to come to $19,000. So for 25 pay periods, Even Steven would contribute $738 to his retirement with his last contribution of the year coming in at $562 for a total of $19,000. As you can see, Even Steven pays $459 in tax per pay period, totaling just over $12,000 for the year. This is $3,600 less than Average Joe will have to pay throughout the year.  Even Steven gets a B.

MAX OOP

Other than the fact that he tends to procrastinate, Max OOP is a mastermind wizard.  After missing his first pay period due to pure laziness, he strategically puts 87% of his paycheck into his retirement account for his early 2019 paychecks. He only has to pay the federal government $17 on these checks. He knows this tax will increase later in the year and his checks will look more like Average Joe’s.  He also knows in total, he will pay about the same tax as Even Steven. But Max OOP is greedy and wanted his money earlier in the year. Since Max OOP is allowed one tardy, he still gets an A+ for 2019 front-loading.

Only 8 pay periods into 2019 and Max OOP paid the federal government just $1,842. Even Steven has paid $3,674 and Average Joe Saver has paid Uncle Sam $4,798. Not even being fully optimized, Max OOP has almost $3,000 more in his pocket than Average Joe and over $1,800 more than Even Steven. It’s only April and Max OOP already has over $15,000 in his 403(b).

By front-loading, I am basically getting my hands on a big chunk of the $4,180 tax deferral and investing it NOW instead of slowly getting it over the course of the year. 

This is likely how the rest of the year’s “tax flow” would look for Max OOP, Even Steven, and Average Joe.

It’s only April and Max OOP already has more than $3,000 in his pocket than Average Joe Saver.

Max Out of Pocket for front-loading when fully optimized = $17.00 in taxes to Uncle Sam.

How much have you front-loaded this year?

Share

Deprecated: ltrim(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-includes/wp-db.php on line 3030

Deprecated: parse_str(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-content/plugins/jetpack/class.jetpack.php on line 4222

Leave a Reply

Your email address will not be published. Required fields are marked *


Deprecated: rtrim(): Passing null to parameter #1 ($string) of type string is deprecated in /home/wilbul4/maxoutofpocket.com/wp-includes/formatting.php on line 2747
%d bloggers like this: