又想想， 好像不对， 因为退休账户是指可以按规定放的钱， 这个量有点小， 除非你工作年限长， 或

来源: 于 2025-09-12 13:46:25 [博客] [旧帖] [给我悄悄话] 本文已被阅读：次

公司提供after tax 401k plan, 也就是可存多钱.

 

 

  • Contribution limit: These contributions let high-income earners save beyond the standard 401(k) deferral limit ($23,500 in 2025). The total combined contributions (employee + employer + voluntary after-tax) cannot exceed a much higher annual limit ($70,000 for 2025).
  • Best for: High-income earners who want to save more for retirement in a tax-advantaged account, beyond the standard 401(k) limits. The main reason to use this option is to perform a "mega backdoor Roth" conversion.