Your spouse should contribute as much as they are allowed from their final 2025 payroll check. Aside from that, there is no way to contribute more to the employer plan for 2025.
Mistakes happen. Luckily this is a relatively small one. $4,000 in additional taxable income is only $1400 in additional Federal income tax if your marginal tax rate is 35%. Save the after tax $ (that were unable to be contributed to the 401k) in a Taxable account for retirement. In the grand scheme of things, saving this small amount in Taxable rather than in tax deferred will not impact your retirement significantly.
Focus on getting the 2026 401k withholding set correctly.
Mistakes happen. Luckily this is a relatively small one. $4,000 in additional taxable income is only $1400 in additional Federal income tax if your marginal tax rate is 35%. Save the after tax $ (that were unable to be contributed to the 401k) in a Taxable account for retirement. In the grand scheme of things, saving this small amount in Taxable rather than in tax deferred will not impact your retirement significantly.
Focus on getting the 2026 401k withholding set correctly.
Statistics: Posted by HomeStretch — Sat Dec 20, 2025 5:57 am — Replies 1 — Views 55