You can do the Mega Backdoor Roth in two ways — convert within the plan or withdraw to a Roth IRA. Converting within the plan is much easier, and many plans automate this process. Transferring to a Roth IRA also works. See the previous postMega Backdoor Roth: Convert Within Plan or O...
你自己对 401k 的 contribution 有个 Limit: Pre-tax + Roth 401k <= $22500 (2023 tax year)。所有的 Contribution 总和有另一个 Limit: Pre-tax + Post-tax + Roth 401k + Employer Match <= $66000。也就是说 $22500 limit 存满后,除去 Employer Match,自己还能再往 Post-tax 里存大概 $39000 ...
2023年401(k)的annual addition limit是66k(考虑catch-up 73.5k),此为所有账户的存入总和: employer contribution + pre-tax 401(k) + Roth 401(k) + after-tax 401(k) <= 66k 2023年401(k)的elective deferral limit是22.5k,则 employee contribution: pre-tax 401(k) + Roth 401(k) <= 22.5k ...