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1. can you have a 401k and an IRA simultaneously?

Yes, no limits on the number of accounts

2. Can you deposit more than the 2,000/year into an IRA? ( I assume you
can, but you only get the tax break on the first 2k )

No, but you and your spouce can each put in 2000 in your own IRA if one of you has at least 4000 in earned income

3. Can you have multiple IRAs to further reduce your
taxable income?


4. Is the maximum tax-free amount i can deposit into
my 401k plan, $9500, a universal number or does that depend entirely on
the plan i am using?

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