I am contributing regularly to my 401(k) plan, but the amount does not come close to the limits set by the federal government. Can I get my contributions to the limit between now and the end of the year? In other words, what happens if I am like $10,000 short of the limit but only have $5,000 in pay still due through the remaining paychecks due me? Can I put money I've saved into my 401(k) and get credit for it as pre-tax dollars?