Originally Posted by
notEnuf
I've asked this several times with the same answer from financial professionals (not this board.) Either you use the roth feature of the 401k or go through the back door rollover steps, but the most you can shelter is the annual limit ($55,000 this year) each year. If you've found a way to shelter more, please share. The mega is just a large onetime transfer but the annual limit accumulation is all you get. Please prove me wrong. Please.
The Roth/Traditional contribution is limited to $19k in 2019. The 401a plus company contribution is limited to $56k in 2019. I don’t know if any other way to shelter more (unless you are over 50 and can do catchup contributions). However the mega backdoor doesn’t have to be done in one large transaction.