1. My 403b company lists my maximum dollar amount contribution. Was I supposed to subtract out what my company matches before I can come up with the amount to put in after tax?
-- Yes, 403b limit includes both your and your employer contributions. But your limit is 23500 for current year + catchup contributions. Employer contributions + your contributions cannot exceed 70,000. For 2026 limits are higher.
2. Will this money easily rollover to my Vanguard Roth when I decide to do that? Are there rules for that rollover (transfer)?
-- If your plan supports in-service conversions, you can roll over money to your ROTH IRA immediately as soon as it is deposited. This is usually referred to as MegaBackdoor Roth. If your plan does not support it, then you may only roll over your contributions to a ROTH IRA when you quit your job. The earnings will stay in the account or can go to a tax deferred account like a traditional IRA.
3. I may retire in 2 years or lose my job some other way in the meantime, can I leave that after tax money there until I retire or do I need to move it as it goes in or in the tax year in which it was placed in 403b?
-- I am not sure I understand this question. You can only move it out if your plan supports an in-service roth conversion. If not, you leave it there.
-- Yes, 403b limit includes both your and your employer contributions. But your limit is 23500 for current year + catchup contributions. Employer contributions + your contributions cannot exceed 70,000. For 2026 limits are higher.
2. Will this money easily rollover to my Vanguard Roth when I decide to do that? Are there rules for that rollover (transfer)?
-- If your plan supports in-service conversions, you can roll over money to your ROTH IRA immediately as soon as it is deposited. This is usually referred to as MegaBackdoor Roth. If your plan does not support it, then you may only roll over your contributions to a ROTH IRA when you quit your job. The earnings will stay in the account or can go to a tax deferred account like a traditional IRA.
3. I may retire in 2 years or lose my job some other way in the meantime, can I leave that after tax money there until I retire or do I need to move it as it goes in or in the tax year in which it was placed in 403b?
-- I am not sure I understand this question. You can only move it out if your plan supports an in-service roth conversion. If not, you leave it there.
Statistics: Posted by SirCheeseBurger — Sat Nov 29, 2025 1:33 am — Replies 4 — Views 325