From the brief · High earners · 2 min read

Pre-commit your next raise to your 401(k) — before lifestyle adjusts

A 2% bump on a $160K salary is $3,200/year of pre-tax space — if you capture it before the bigger paycheck ever hits checking.

By The MoneyBrief Team · June 9, 2026

If a raise is landing this summer, raise your contribution percentage now, before the higher paycheck hits your checking account. A 2% bump on a $160K salary is $3,200/year of pre-tax space captured before lifestyle inflation gets a vote on it.

Do this

1. Log into your 401(k) plan portal (Fidelity NetBenefits, Empower, Vanguard, etc.).
2. Update the contribution % — match the size of the raise, or close to it.
3. Set a calendar reminder for 60 days out to confirm the change took effect on your paycheck.

Also, if you're self-employed: calendar June 15 for Q2 estimated tax. IRS Direct Pay is the free version — skip the apps that charge $3 per payment.

Educational only. Not financial advice. Consult a licensed professional before making financial decisions.

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