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Don't forget that these limits are separate from a spouses limits. Even if there is a spouse without any income they can still have Roth or IRA contributions too based on your joint income.

When you are making the maximum 401k contribution be sure to check to see how your company will handle their match after you reach your maximum contribution. There are two questions;

1) Do they stop taking the contributions automatically? Some plans allow non-deductible contributions and your money could end up treated that way.

2) If you reach the maximum before the end of year, do they still match for the rest of the year? For example if you hit the limit in November and stop contributing, will they still pay the Decembers paychecks match? Some companies don't.

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