之前一直觉得每年401k的uplimit是pretax traditional 401k+ pos tax Roth 401k= $22,500. 今天问了chat GPT, 貌似每一类个人的contribution是$22，500，所以个人最多可以放401k+ pos tax Roth 401k= $45，000。 大家有经验的讨论一下，我想尽多的省一点税 401(k) contribution limits for 2023 The 401(k) contribution limit for 2023 is $22,500 for employee contributions and $66,000 for combined employee and employer contributions. If you're age 50 or older, you're eligible for an additional $7,500 in catch-up contributions, raising your employee contribution limit to $30,000. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual compensation at the company that holds your plan.
之前一直觉得每年401k的uplimit是pretax traditional 401k+ pos tax Roth 401k= $22,500. 今天问了chat GPT, 貌似每一类个人的contribution是$22，500，所以个人最多可以放401k+ pos tax Roth 401k= $45，000。 大家有经验的讨论一下，我想尽多的省一点税 401(k) contribution limits for 2023 The 401(k) contribution limit for 2023 is $22,500 for employee contributions and $66,000 for combined employee and employer contributions. If you''re age 50 or older, you''re eligible for an additional $7,500 in catch-up contributions, raising your employee contribution limit to $30,000. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual compensation at the company that holds your plan.
之前一直觉得每年401k的uplimit是pretax traditional 401k+ pos tax Roth 401k= $22,500. 今天问了chat GPT, 貌似每一类个人的contribution是$22，500，所以个人最多可以放401k+ pos tax Roth 401k= $45，000。 大家有经验的讨论一下，我想尽多的省一点税 401(k) contribution limits for 2023 The 401(k) contribution limit for 2023 is $22,500 for employee contributions and $66,000 for combined employee and employer contributions. If you're age 50 or older, you're eligible for an additional $7,500 in catch-up contributions, raising your employee contribution limit to $30,000. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual compensation at the company that holds your plan.
401(k) contribution limits for 2023 The 401(k) contribution limit for 2023 is $22,500 for employee contributions and $66,000 for combined employee and employer contributions. If you're age 50 or older, you're eligible for an additional $7,500 in catch-up contributions, raising your employee contribution limit to $30,000. Depending on your plan, you may be able to make post-tax contributions beyond the pretax and Roth contribution limit but less than the combined employee and employer contribution limit to invest even more for retirement. Total contributions cannot exceed your annual compensation at the company that holds your plan.
要看公司401k plan是否提供after tax 401k的选项，要是你公司没有，那知道这个limit也没用。如果有这个选项，你一直不知道......那你上班真的不走心
那个post tax是gain 要交税，唯一的好处就是换工作可以转成super mega Roth，是吧
你理解错了。二者合起来的limit是22500。
$66000这个是mega-backdoor Roth， 不是每个公司都可以存的