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In 2019, is it accurate to say I can contribute $19,000 to the traditional 401(k) and contribute another $19,000 to the Roth 401(k) for a grand total of $38,000?


Or, is my max contribution $19,000 between the two... i.e. $9,500 in Traditional 401(k) and $9,500 in the Roth 401(k)?

Yes, although you could split the contributions any way that you want: $19k in Traditional and $0k in Roth all the way to $0k in Traditional and $19k in Roth. The total will have to be $19k or less, though.

If you have only one 401(k) during the year, typically, your employer's plan will stop taking contributions out of your paycheck once you hit the $19k limit. But if you are contributing to more than one 401(k) during a single calendar year, then you are the one who will have to recognize when you've made excess contributions.

I'm age 46 and single with no other investment accounts except my Roth IRA witch I max out annually.

If you have some additional funds, would suggest starting a taxable account, too.

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