Originally Posted by ForeverFO

Some encouraging words here, and AA guys appreciate the notes of support that so many pilots have posted here, on other forums, and face-to-face.

I am embarrassed to say I don't know how 401K matching works. For 20 years now, I've had the A and B funds, and I've been maxing out my own personal 401K.

If a company contributes to a 401K, and such contributions take it over the pre-tax maximum, is the remainder taxed, but then accrues tax-free within the 401K? In other words, let's say I'm already contributing $22,500 (I'm over 50) in 2012, where would a company 14% come in? 14% of a $100,000 FO pay is $14K. Does this mean I have to reduce my own personal contribution so that the TOTAL remains below $22.5K?