​Know your (IRS) limits.

​2018 contribution and Catch up Limits:
IRA or Roth IRA (or combination): $5,500.00 for those over 50, add $1,000 more for a total of $6,500.00
Simple IRA: $12,500.00 for those over 50, add $3,000 more for a total of $15,500.00
401K, 403b, 457b: $18,500.00 for those over 50, add $6,000 more for a total of $24,500.00


2019 Contribution and Catch up limits:
 IRA or Roth IRA (or combination): $6,000.00, or for those over 50 add $1,000 more for a total of $7,000.00
Simple IRA: $13,000.00, or for those over 50 add $3,000 more for a total of $16,000.00
401K, 403b, 457b: $19,000.00, or for those over 50 add $6,000 more for a total of $25,000.00
Limits for SEP IRA are 25% of wages for employee. For self-employed people it is 25% of net income adjusted for self-employment tax.