Originally Posted by
gollum
I didn't say it was Roth that allowed contributions above 19.5. There is a difference between a Roth 401K and Traditional 401K that allows after-tax contributions. The later, in most cases is a normal 401K but once you hit 19,500, you can continue to make after-tax contributions.
Look-up Backdoor 401k Roth.
https://www.betterment.com/resources...01k-after-tax/
Im not trying to chase my tail, but for most here 19.5k max personal and 47,500 from the company is already more than the irs max. That’s why I said it doesn’t matter Roth or pretax. We get every overage in cash or a 415c deferred fund.