let's say his first job salary is $200K and his second job is also $200K. The first company matches 8% dollar to dollar and the second company matches 6% dollar to dollar. To get all the matches, he needs to contribute 8%*200K+6%*200K=28K.
如果要拿到所有的match,他自己的contribution要超過$22500.
所有跟帖:
• But that's not double taxation. -檸檬椰子汁- ♂ (343 bytes) () 11/07/2022 postreply 06:50:49
• 超過$22500那部分要當年交稅,還有10%penalty,以後從401K取錢時還要交稅 -田山碧水- ♀ (119 bytes) () 11/07/2022 postreply 07:06:47
• paying 10% for 8% match? doesn't make sense -檸檬椰子汁- ♂ (0 bytes) () 11/07/2022 postreply 07:12:14
• 我是這樣算的 -田山碧水- ♀ (467 bytes) () 11/07/2022 postreply 07:21:11
• like I said, not sure how two 401K plans work -檸檬椰子汁- ♂ (723 bytes) () 11/07/2022 postreply 07:31:00
• 10% penalty is when corrective action not taken by 4/15/23 -檸檬椰子汁- ♂ (861 bytes) () 11/07/2022 postreply 07:19:28
• 其實超過$22500那部分他可以做after tax 401K contribution,是嗎? -田山碧水- ♀ (0 bytes) () 11/07/2022 postreply 07:13:52
• No, total limit is 22500. before and after tax -檸檬椰子汁- ♂ (0 bytes) () 11/07/2022 postreply 07:15:56
• 我查了一下,after tax不受$22500的限製,隻是所有contribution加起來不超過$61000即可 -田山碧水- ♀ (0 bytes) () 11/07/2022 postreply 08:03:23