“Sounds to me like someone else who didn’t read the TA and just believed the hype about how bad it was. You have all the right pieces to be correct, yet you are so wrong it’s almost unbelievable. The 6000 catch up contributions don’t count against the 53k limit, so after subtracting 18.5 from 53, you can add 34.5 in B-fund to your bucket. At 8/9 percent B-fund, the IRS cap would have to be 431/383k respectively. By the time they get that high, the 53k will be much higher too. And legislative risk is why our B-fund limit is now high-watermarked, so contributions will continue at that level even if congress does lower the limits…but you knew that already, Mr. (or Mrs.) Informed Pilot.”