Currently, I am contributing 12% of my gross salary to my 401(k). In thinking about my finances for the upcoming year, I’d like to reduce that to 6% or 8%. There is a strain on the amount of available cash at any moment. Unfortuantely, I am a designated person in my company, according to government regulations. I have access to “insider information” that prevents changing investments except for during certain times of the year. I’ll have to wait until the next time changes are allowed to be made, and I’m not sure when that is.