re: 401k Tax Deferment Max

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Is the max $17,500 deferal rate the most I can contribute tax free individually or does that include the employer contribution as well?

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You can contribute up to 17,500. Your employer can go beyond this to some number like $51,000 or so.

ETA: $52,000 this year. So they can contribute $34,500 ($52,000 - $17,500 = $34,500)

If you work for an employer who does this, I have a resume ready.