The IRA limit is per person so a spouse with no earned income needs a spousal IRA to contribute at all

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Changing jobs mid-year can leave you running two 401(k) accounts and paying two sets of recordkeeping fees A solo 401(k) stacks employee deferrals and employer profit sharing on the same self-employment income A 401(k) loan is repaid with after-tax dollars into an account that will be taxed again on withdrawal Plan fees are two separate numbers: recordkeeping charges taken from the account and the expense ratios inside each fund The annual additions limit counts employer match and after-tax money so the headline deferral cap is not the real ceiling Required minimum distributions now begin at 73 and a Roth 401(k) no longer forces them at all Why the elective deferral limit applies only to your own contributions and never to the employer match Backdoor Roth contributions are legal but the pro-rata rule taxes the conversion if you still hold a traditional IRA The 60-day rollover window is the only chance to move money between accounts with no tax and no penalty Auto-escalation raises the deferral rate one point a year and most participants never revisit the setting