Does the IRS $61,000 total contribution limit include IRA contributions? Or just 401k (employer, employee before tax or Roth, and after-tax)?

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Damn, people have this much money leftover to stash away for retirement?

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I believe it is just employee + employer pre and post tax 401K dollars. I’m not sure the after tax “savings” (i.e. mega backdoor Roth) dollars are subject to the IRS limits.

After tax Roth 401K, absolutely. After tax “taxable” contributions, not sure.

Not a tax professional, but I’m almost positive they’re separate

Just employer 401k. 401k = employer

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