I start a new job in July, but can't contribute to my 401k until 2027. I'm currently at about $9k in contributions to my 401k so far this year. Curious people's opinions about which of these two options to do: (1) max out my 401k by July (increasing the contribution in my 4 remaining paychecks by $2.8k to $3.8k) and make up any difference I might need in life spending using my emergency fund (which I can replenish once the new jobs starts), or (2) stay as is, don't max my 401k for the year, and just invest in my taxable account once I start my new job.
Some additional facts: (a) my current company doesn't have a match, and (b) I usually end each month with about $3k to invest outside the 401k (so I probably won't need that much out of the emergency fund).