356a? Thanks...we kind of like our old car, once dubbed a POS by a guy with a 996. Ways to maximize? Gee, at age 31, I don't know that I'd worry about that too much. The power of your money working for you, compounding upon itself over 30 years? Wow! Just wish I had the 30 years!
I'd suggest perhaps more diversity in your 401K...an index fund, if one is offered. Either total market or S&P 500. This because there are times when small cap stocks are hot, and times when the large cap stocks are hot, and it's damned difficult to pick the switch time.
Also...FEES MATTER. a 1.5% fund management fee means that after 10 years, the manager has 15% of your money. Pay close attention to that portion of your bottom line if you can. We do our own fund buying through Vanguard. The maximum fund management fee we are paying right now is point two percent, under 1/4 of one percent.