401(k) contribution limits 2026

A woman pours from a mint jar labeled After-tax into a plum jar labeled Roth, beside a sage jar labeled Pre-tax, illustrating a mega backdoor Roth conversion

The Mega Backdoor Roth: How Some 401(k) Plans Let You Put Far More Into Roth

Some 401(k) plans let you move tens of thousands of dollars a year into Roth through after-tax contributions. Here's how the mega backdoor Roth works and how to check your plan.

Wealth Building

Elizaveta Shafir

Oct 213 min read

A woman packs a small plum travel bag tagged Roth IRA beside a much larger plum suitcase tagged Roth 401(k), illustrating the difference between a Roth IRA and a Roth 401(k)

Roth IRA or Roth 401(k)? How They Differ and Which One to Fund First

Roth IRA and Roth 401(k) are both Roth, but the limits, income rules, and access to your money differ. Here's how they compare and how to decide which to fund first.

Wealth Building

Elizaveta Shafir

Sep 2810 min read

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The Mega Backdoor Roth: How Some 401(k) Plans Let You Put Far More Into Roth

Roth IRA or Roth 401(k)? How They Differ and Which One to Fund First

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