pre-tax 和 罗斯401的个人总额是我给出的两万多那个数,但是after tax的贡献是两万多以外的,雇主和after tax的贡献总额就是我上面给的六万多和两万多的delta. 我上面的建议是假设delta is greater than the employer's contribution.
Is this clear? If not, read this but disregard the conversion portions:
https://www.fidelity.com/learning-center/personal-finance/mega-backdoor-roth