Welcome to the Jill on Money Show.

It is Christmas Eve, Friday, December 24th, and I told you we're going to keep it real

tight this week because you guys have things to do, and I am on winter break.

Today we're doing that by answering a question from Rob.

How about that?

Finally, debt-free.

Let's go.

Let's talk to Rob.

Hello, Jill.

Thanks for having me at the pleasure and an honor.

Oh, you're very sweet.

So what's up?

Well, here's a situation I've been listening to your show quite a bit lately, and I realized

I'm 39 now, and during my 20s I did okay, saving for retirement, but then during my 30s

I kind of put that aside, and I started doing other things, paying down the house, probably

more than I should have, paying off debt, paying off student loans, paying off cars, basically

to get to a point where I was debt-free.

Now that I'm getting back to retirement and the mean time I've gotten some raises, and

I hadn't really caught up with my 401k, so I go to sign up, and I realize the website

has not allowed me to go past 6% on my salary, and I thought it was a mistake, so I made

some phone calls, and I got back and forth between my employer and the provider, and the

provider told me that my employer had basically put me as a highly compensated employee, which

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