每个工作各一半

1/2(you) + 6%(companyA) + 1/2(you) + 8%(companyB)

your contrib total under 22500

所有跟帖： 

• 现在的问题是多放了接受罚款还是只放到上限合算。 -田山碧水- ♀ (42 bytes) () 11/07/2022 postreply 05:54:23

• You didn't exceed the limit -柠檬椰子汁- ♂ (308 bytes) () 11/07/2022 postreply 05:59:33

• 如果要拿到所有的match，他自己的contribution要超过$22500. -田山碧水- ♀ (405 bytes) () 11/07/2022 postreply 06:02:29

• But that's not double taxation. -柠檬椰子汁- ♂ (343 bytes) () 11/07/2022 postreply 06:50:49

• 超过$22500那部分要当年交税，还有10%penalty，以后从401K取钱时还要交税 -田山碧水- ♀ (119 bytes) () 11/07/2022 postreply 07:06:47

• paying 10% for 8% match? doesn't make sense -柠檬椰子汁- ♂ (0 bytes) () 11/07/2022 postreply 07:12:14

• 我是这样算的 -田山碧水- ♀ (467 bytes) () 11/07/2022 postreply 07:21:11

• like I said, not sure how two 401K plans work -柠檬椰子汁- ♂ (723 bytes) () 11/07/2022 postreply 07:31:00

• 10% penalty is when corrective action not taken by 4/15/23 -柠檬椰子汁- ♂ (861 bytes) () 11/07/2022 postreply 07:19:28

• 其实超过$22500那部分他可以做after tax 401K contribution,是吗？ -田山碧水- ♀ (0 bytes) () 11/07/2022 postreply 07:13:52

• No, total limit is 22500. before and after tax -柠檬椰子汁- ♂ (0 bytes) () 11/07/2022 postreply 07:15:56

• 我查了一下，after tax不受$22500的限制，只是所有contribution加起来不超过$61000即可 -田山碧水- ♀ (0 bytes) () 11/07/2022 postreply 08:03:23