Hello,

I'm looking at a job offer I recently received, and it turns out both my current firm and potential new firm offer mega-backdoor Roths (MBRs)

I know that *employee* contribution space to 401ks (the $19.5k annual limit) is shared across employers.

Does anyone know if the *employer* match + after tax 401k/MBR space ($38.5k, the residual of the total $58k IRS limit minus the employee $19.5k) can be "double dipped"?
I.e. take advantage of the MBR both employers, put in close to 30kx2 = 60

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And another:

""So if the two businesses you are involved in aren't a controlled group, and they each have a 401(k), (or a 401(k) and a SEP-IRA) you get two $57K limits."

https://www.whitecoatinvestor.com/multiple-401k-rules/

smart

Here's some documentation that suggests the 38k employer space is on a *per employer* basis and thus can be double dipped

"The total contribution limit for a 401(k) for you and your employer is $58,000 per year. This number includes the employee contribution, the employer match, and any employer contributions.
This IRS rule also applies to small businesses where the owner may be contributing both as an employee and an employer to their 401(k) plan. However, unlike the employee contribution rule, this rule applies to each unrelated employer separately.

 What does this mean? If you have a full-time job and also own your own business, you can have two different 401(k) accounts. While your contribution as an employee to both cannot exceed $19,500 before age 50, each employer can contribute up to the $58,000 total cap."

https://www.nextgen-wealth.com/blog/multiple-401k-accounts

I think you can put in 58k * 2 = 116k. Go 100% after-tax contributions at your new employer and convert.

Obviously minus any employer contributions.

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