Overall limit on contributions Total annual contributions (annual additions) to all of your accounts in plans maintained by one employer (and any related employer) are limited. The limit applies to the total of: elective deferrals (but not catch-up contributions) employer matching contributions employer nonelective contributions allocations of forfeitures The annual additions paid to a participant’s account cannot exceed the lesser of: 100% of the participant's compensation, or $66,000 ($73,500 including catch-up contributions) for 2023; $61,000 ($67,500 including catch-up contributions) for 2022; $58,000 ($64,500 including catch-up contributions) for 2021; and $57,000 ($63,500 including catch-up contributions). However, an employer’s deduction for contributions to a defined contribution plan (profit-sharing plan or money purchase pension plan) cannot be more than 25% of the compensation paid (or accrued) during the year to eligible employees participating in the plan (see Employer Deduction in Publication 560, Retirement Plans for Small Business (SEP, SIMPLE, and Qualified Plans). There are separate, smaller limits for SIMPLE 401(k) plans. Example 1: In 2020, Greg, 46, is employed by an employer with a 401(k) plan, and he also works as an independent contractor for an unrelated business and sets up a solo 401(k). Greg contributes the maximum amount to his employer’s 401(k) plan for 2020, $19,500. He would also like to contribute the maximum amount to his solo 401(k) plan. He is not able to make further elective deferrals to his solo 401(k) plan because he has already contributed his personal maximum, $19,500. He would also like to contribute the maximum amount to his solo 401(k) plan. Greg is not able to make further elective salary deferrals to his solo 401(k) plan because he has already contributed his personal maximum, $19,500, to his employer’s plan. However, he has enough earned income from his business to contribute the overall maximum for the year, $57,000. Greg can make a nonelective contribution of $57,000 to his solo 401(k) plan. This $57,000 limit is not reduced by the elective deferrals Greg made under his employer’s plan because the limit on annual additions applies to each plan separately. Example 2: In Example 1, if Greg were 52 years old and eligible to make catch-up contributions, he could contribute an additional $6,500 of elective deferrals for 2020. His catch-up contribution could be split between the plans in any proportion he chooses. Or, Greg may contribute the full $6,500 catch-up contribution to his solo 401(k) plan, making a total contribution of $63,500 for 2020. This is because, although he made nonelective contribution to his solo 401(k) plan up to the maximum of $57,000, the $57,000 limit is not reduced by the elective deferral catch-up contributions.
Re 这个
超过50岁$6500 catch up 今年可以$30000
2万2不用交税啊，10万和12万交税后拿到手差不多。
不像国内体制内，美国没有退休金，双职工两口子存满各种免税账户，10年积累至少一两百万。
是的 20%没有了
2万块扣了税没几个钱，那个税拿走了再也没了
每个公司不一样，有的公司有after tax 401k，多出来的就会存到after tax 401k
还是年轻时候的钱最值钱 最美最年轻最有活力的时候 老了以后存了一堆钱只能看病 哎 没啥生活质量
失业了生病都可以拿出来用
为了省点税，说什么也得活得久一点才有命花啊
上半年下半年存有什么区别么除了大盘价格不一样
是的，越年轻越要存满，定投指数基金和large cap index fund, 这样就可以提早退休了
公司payroll一般都有上限设置的，存买了就自动不扣了
存满了以后没钱付首付咋办
换个收入高点的工作？
看看版上睿姐儿，两孩子租房多年攒钱投资，有了第一桶金。要么租房，要么买小房子便宜房子。不要想着房子一步到位。美国很多地方的房子是消耗品，money pit。
存满irs 的吧
在高房租地区 房租和每个月还贷款差不多 那还是买房划算吧
你不能光看贷款啊，还有房地产税，HOA，房子草坪维护修理打理的费用。而且贷款三十年，前十年基本上是给银行打工。还款基本上支付的是贷款利息，本金非常少
我们是攒首付的时候就没存。。
401k最早55岁取。
ssn最早62岁。
中产投资基本就是大盘和出租房，资产多了能增值和有现金流，一般家里工作稳定轻松的上班拿医保，另一方早退休照顾家。
又一个凭想象的，大厂马工里基本没有这样的。
不是马工也知道层主在吹nb
很多公司match的需要你自己存入相应比例的401K。很有可能提前存满 剩下的时间就拿不到公司的match。不要问我怎么知道的
401K59.5 岁才可以取
不可能的，你提前存满，后几个月表面上公司没给match，但是年底公司会做一个true-up, 补齐match 的部分。我是做财务的，相信我
看公司的。我呆过五家公司了，有true match的就是你说的这种，比较省心；也有必须Contribute才给Match的，就比较麻烦，自己得提前计划好
这个还真不一定。有的不给补齐的
如果超过50自己辞职呢？
不一定是年底或者一月初补，我们是如果match不足的话，三月份一次补齐。 这个match如果是公司明文规定的，没有理由payroll不补啊。
我们公司是按照你的paycheck来的。如果这个paycheck你没有存401K，那么公司就没有match。所以每年都会仔细算一遍，保证最后一个paycheck自己存的那部分会超过公司match的最大额度. 只能说你的公司太好了。
这个“不可能” 你也说的太绝对了。就像下面的回复，各个公司的规定不同。我损失的可是实实在在的钱啊。也跟HR Payroll 的商量是否有补救措施。还是没有办法。在这个论坛上也不只一次看到别的姐妹发生同样的事情。也希望看到的引以为鉴。
我们公司的确是这样的，叫true match。但是好像不是所有公司都这样。
最终上限是6-7万一年吧，总共每个人
Overall limit on contributions Total annual contributions (annual additions) to all of your accounts in plans maintained by one employer (and any related employer) are limited. The limit applies to the total of: elective deferrals (but not catch-up contributions) employer matching contributions employer nonelective contributions allocations of forfeitures The annual additions paid to a participant’s account cannot exceed the lesser of: 100% of the participant's compensation, or $66,000 ($73,500 including catch-up contributions) for 2023; $61,000 ($67,500 including catch-up contributions) for 2022; $58,000 ($64,500 including catch-up contributions) for 2021; and $57,000 ($63,500 including catch-up contributions). However, an employer’s deduction for contributions to a defined contribution plan (profit-sharing plan or money purchase pension plan) cannot be more than 25% of the compensation paid (or accrued) during the year to eligible employees participating in the plan (see Employer Deduction in Publication 560, Retirement Plans for Small Business (SEP, SIMPLE, and Qualified Plans). There are separate, smaller limits for SIMPLE 401(k) plans. Example 1: In 2020, Greg, 46, is employed by an employer with a 401(k) plan, and he also works as an independent contractor for an unrelated business and sets up a solo 401(k). Greg contributes the maximum amount to his employer’s 401(k) plan for 2020, $19,500. He would also like to contribute the maximum amount to his solo 401(k) plan. He is not able to make further elective deferrals to his solo 401(k) plan because he has already contributed his personal maximum, $19,500. He would also like to contribute the maximum amount to his solo 401(k) plan. Greg is not able to make further elective salary deferrals to his solo 401(k) plan because he has already contributed his personal maximum, $19,500, to his employer’s plan. However, he has enough earned income from his business to contribute the overall maximum for the year, $57,000. Greg can make a nonelective contribution of $57,000 to his solo 401(k) plan. This $57,000 limit is not reduced by the elective deferrals Greg made under his employer’s plan because the limit on annual additions applies to each plan separately. Example 2: In Example 1, if Greg were 52 years old and eligible to make catch-up contributions, he could contribute an additional $6,500 of elective deferrals for 2020. His catch-up contribution could be split between the plans in any proportion he chooses. Or, Greg may contribute the full $6,500 catch-up contribution to his solo 401(k) plan, making a total contribution of $63,500 for 2020. This is because, although he made nonelective contribution to his solo 401(k) plan up to the maximum of $57,000, the $57,000 limit is not reduced by the elective deferral catch-up contributions.
很多单位是二选一吧，有可以两个都搞的吗？
有pension的 好像还可以自己存一个403 plan. 不是401K, 但是感觉很像。就是不知道为了避税 有没有必要勒紧裤腰带过日子…
钱多了就存存，蕾蕾裤腰带也存，实在没办法不存。
肯定没有必要啊。有钱就多存，没钱就少存。平时紧紧张张的多没劲
想着可以辟点税。 我主要是有时花钱大手大脚，一个月不算房贷车贷child care, 居然也能花出去一两万。但有时候节省点，就放在saving account里。不知道该怎么做规划。
有的plan买主要住所的时候是可以拿出来用的，就是首付，一般mortgage是不能用的
有些plan是可以59.5岁开始取的，不管那时候有没有工作
存满了对不是双码的家庭真是得乐紧裤腰带过日子 就是不知道为了省点税值不值得这么苦自己
要是有余钱放saving account里的，不如就存满了。
当然家庭还是要留一些存款作为紧急资金的
刚开始手头紧点挺好。可以培养正确消费观。
我也是前几年头几个月早早存完了，后面公司match就没有了。算了下损失了大几万。
工资6万的时候，没必要存满。因为对大部分华人家庭，这时的税率肯定低于退休以后拿社保，投资分红，退休金的税率。