DrMerlot, you asked:<< I have a 401k at my company. Is the 15%, 10K maximum restriction just for my portion, or is it for the sum of my portion and the match portion combined? >>The maximum contribution in a 401(k) for the year 2000 will be $10,500. Where YOU can contribute as much as 15% up to this amount DEPENDS on a few things . .. .like, how many highly compensated employees (which for the year 2000 will be those with incomes of $85,000 or more) your employer has as apposed to other eligible participants. There can be limitations that can keep you from contributing the maximum. So you'll need to consult with your plan administrator.