回复：

It depends on your income. That is, if your income is over certain limit (limit levels vary based on whethere single or not), you can only put after-tax income into your IRA account not pre-tax income like you can with your 401K.

There is still sometime left before the end of the year. Why don't you increase your contribution to your 401K account? The law allows you to change your comtribution level throughout the year.