4500*1.1^5 - 4500 = 2747.295
that's the potential growth on the dropped 4500 if i only get $6000 instead of $10500 up front.
even if i put $3000 in, and get $9000, the loss is still:
1150*1.1^5-1150 = $700.
i might not be able to get the full $3500, but i should put as much in as i can and recalculate on jan 1st to ensure i'm hitting the max and not over contributing. that said, i'll also want to get in as much as i can, as fast as i can, to the max.
i'll call in the morning.
starting in early 2027, i will be switching to putting minimum $450/month in, until 2030. this will be roughly what they give me for the cohb and probably maximum potential contributions.