又想想， 好像不對， 因為退休賬戶是指可以按規定放的錢， 這個量有點小， 除非你工作年限長， 或

公司提供after tax 401k plan, 也就是可存多錢.

 

 

• 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.