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401(k) contribution limit in 2025 will increase to $23,500, reflecting a $500 rise from 2024. ",[790],{"type":129,"attrs":791},{"color":12},{"type":783,"content":793},[794],{"type":18,"content":795},[796],{"text":797,"type":22,"marks":798},"Alternative savings options like IRAs, HSAs, and brokerage accounts can help diversify retirement strategies.  ",[799],{"type":129,"attrs":800},{"color":12},{"type":783,"content":802},[803],{"type":18,"content":804},[805,810,821],{"text":806,"type":22,"marks":807},"Unbiased will match you with a ",[808],{"type":129,"attrs":809},{"color":12},{"text":811,"type":22,"marks":812},"financial 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plan",[848,851,853],{"type":31,"attrs":849},{"href":850,"uuid":34,"anchor":34,"target":816,"linktype":36},"https://www.unbiased.com/discover/investing/what-is-a-401k-and-how-does-it-work",{"type":129,"attrs":852},{"color":12},{"type":820},{"text":855,"type":22,"marks":856}," is a critical tool for saving for retirement, offering tax advantages that allow individuals to grow their savings efficiently.  ",[857],{"type":129,"attrs":858},{"color":12},{"type":18,"content":860},[861],{"text":862,"type":22,"marks":863},"The 401(k) 2025 contribution limit is the maximum amount an employee can contribute to their 401(k) plan within a calendar year. The IRS sets these limits annually to account for factors such as inflation and changes in the cost of living. ",[864],{"type":129,"attrs":865},{"color":12},{"type":18,"content":867},[868],{"text":869,"type":22,"marks":870},"For individuals under 50, the annual contribution limit sets the baseline for retirement savings.  ",[871],{"type":129,"attrs":872},{"color":12},{"type":18,"content":874},[875],{"text":876,"type":22,"marks":877},"However, for those aged 50 and above, additional catch-up contributions provide an opportunity to bolster their retirement savings. This allows older savers to make up for any shortfalls and better prepare for financial security in their later years. ",[878],{"type":129,"attrs":879},{"color":12},{"type":764,"attrs":881,"content":882},{"level":766},[883,888],{"text":884,"type":22,"marks":885},"What are the 2025 401(k) contribution limit changes?",[886],{"type":129,"attrs":887},{"color":12},{"text":774,"type":22,"marks":889},[890],{"type":129,"attrs":891},{"color":778},{"type":18,"content":893},[894,899,908],{"text":895,"type":22,"marks":896},"The IRS has announced that the 401(k) contribution limit in 2025 will ",[897],{"type":129,"attrs":898},{"color":12},{"text":900,"type":22,"marks":901},"rise to $23,500",[902,905,907],{"type":31,"attrs":903},{"href":904,"uuid":34,"anchor":34,"target":816,"linktype":36},"https://www.irs.gov/newsroom/401k-limit-increases-to-23500-for-2025-ira-limit-remains-7000",{"type":129,"attrs":906},{"color":12},{"type":820},{"text":909,"type":22,"marks":910},", reflecting a $500 increase from 2024.  ",[911],{"type":129,"attrs":912},{"color":12},{"type":18,"content":914},[915],{"text":916,"type":22,"marks":917},"This adjustment aligns with historical trends and accounts for inflation, helping individuals keep pace with the rising cost of living. ",[918],{"type":129,"attrs":919},{"color":12},{"type":18,"content":921},[922],{"text":923,"type":22,"marks":924},"The catch-up contribution remains at $7,500 for individuals aged 50 and older. This means savers in this age group can contribute a total of $31,000 in 2025.  ",[925],{"type":129,"attrs":926},{"color":12},{"type":18,"content":928},[929],{"text":930,"type":22,"marks":931},"Additionally, under the SECURE 2.0 Act, individuals aged 60 to 63 will have access to a higher catch-up limit, set at $11,250 for 2025. ",[932],{"type":129,"attrs":933},{"color":12},{"type":18,"content":935},[936],{"text":937,"type":22,"marks":938},"When factoring in employer contributions, the total combined 401(k) 2025 contribution limit for both employee and employer contributions is projected to reach $70,000 in 2025, up from $69,000 in 2024. ",[939],{"type":129,"attrs":940},{"color":12},{"type":18,"content":942},[943],{"text":944,"type":22,"marks":945},"As mentioned, 401(k) contribution limits are shaped by cost-of-living adjustments and inflation.  ",[946],{"type":129,"attrs":947},{"color":12},{"type":18,"content":949},[950],{"text":951,"type":22,"marks":952},"These changes reflect the IRS’s commitment to supporting individuals in building robust retirement savings strategies, ensuring they keep pace with economic trends. The increases are particularly beneficial for those looking to maximize savings and secure long-term financial stability. ",[953],{"type":129,"attrs":954},{"color":12},{"type":764,"attrs":956,"content":957},{"level":766},[958,963],{"text":959,"type":22,"marks":960},"How to maximize your 401(k) contributions in 2025",[961],{"type":129,"attrs":962},{"color":12},{"text":774,"type":22,"marks":964},[965],{"type":129,"attrs":966},{"color":778},{"type":18,"content":968},[969],{"text":970,"type":22,"marks":971},"To make the most of the 401(k) 2025 contribution limit, it’s essential to plan strategically.  ",[972],{"type":129,"attrs":973},{"color":12},{"type":18,"content":975},[976],{"text":977,"type":22,"marks":978},"Here are some pointers to help get you started: ",[979],{"type":129,"attrs":980},{"color":12},{"type":780,"content":982},[983],{"type":783,"content":984},[985],{"type":18,"content":986},[987,993],{"text":988,"type":22,"marks":989},"Ensure you reach the annual limit: ",[990,991],{"type":38},{"type":129,"attrs":992},{"color":12},{"text":994,"type":22,"marks":995},"Contributing the maximum allowed each year ensures you take full advantage of the tax benefits and savings growth. ",[996],{"type":129,"attrs":997},{"color":12},{"type":780,"content":999},[1000],{"type":783,"content":1001},[1002],{"type":18,"content":1003},[1004,1010],{"text":1005,"type":22,"marks":1006},"Utilize catch-up contributions:",[1007,1008],{"type":38},{"type":129,"attrs":1009},{"color":12},{"text":1011,"type":22,"marks":1012}," If you’re 50 or older, adding the extra $7,500 catch-up contribution can significantly boost your retirement savings. ",[1013],{"type":129,"attrs":1014},{"color":12},{"type":780,"content":1016},[1017],{"type":783,"content":1018},[1019],{"type":18,"content":1020},[1021,1027],{"text":1022,"type":22,"marks":1023},"Budget and plan: ",[1024,1025],{"type":38},{"type":129,"attrs":1026},{"color":12},{"text":1028,"type":22,"marks":1029},"Allocating funds toward retirement contributions should be a key part of your budgeting process. Automating contributions can help achieve this goal seamlessly. ",[1030],{"type":129,"attrs":1031},{"color":12},{"type":780,"content":1033},[1034],{"type":783,"content":1035},[1036],{"type":18,"content":1037},[1038,1044],{"text":1039,"type":22,"marks":1040},"Leverage employer matching: ",[1041,1042],{"type":38},{"type":129,"attrs":1043},{"color":12},{"text":1045,"type":22,"marks":1046},"Employer contributions are essentially free money. Ensure you contribute enough to receive the full employer match to maximize overall savings. ",[1047],{"type":129,"attrs":1048},{"color":12},{"type":764,"attrs":1050,"content":1051},{"level":766},[1052,1057],{"text":1053,"type":22,"marks":1054},"What happens if I contribute too much to my 401(k)?",[1055],{"type":129,"attrs":1056},{"color":12},{"text":774,"type":22,"marks":1058},[1059],{"type":129,"attrs":1060},{"color":778},{"type":18,"content":1062},[1063],{"text":1064,"type":22,"marks":1065},"Exceeding the 401(k) contribution limit in 2025 can lead to unexpected tax consequences.  ",[1066],{"type":129,"attrs":1067},{"color":12},{"type":18,"content":1069},[1070],{"text":1071,"type":22,"marks":1072},"If you over-contribute, the excess amount becomes taxable and may result in penalties if not addressed promptly. ",[1073],{"type":129,"attrs":1074},{"color":12},{"type":18,"content":1076},[1077],{"text":1078,"type":22,"marks":1079},"Here’s what you should do: ",[1080],{"type":129,"attrs":1081},{"color":12},{"type":780,"content":1083},[1084],{"type":783,"content":1085},[1086],{"type":18,"content":1087},[1088,1094],{"text":1089,"type":22,"marks":1090},"Notify officials: ",[1091,1092],{"type":38},{"type":129,"attrs":1093},{"color":12},{"text":1095,"type":22,"marks":1096},"Inform your plan administrator when you discover the excess contribution. ",[1097],{"type":129,"attrs":1098},{"color":12},{"type":780,"content":1100},[1101],{"type":783,"content":1102},[1103],{"type":18,"content":1104},[1105,1111],{"text":1106,"type":22,"marks":1107},"Be proactive:",[1108,1109],{"type":38},{"type":129,"attrs":1110},{"color":12},{"text":1112,"type":22,"marks":1113}," Prompt action ensures you avoid double taxation and penalties. ",[1114],{"type":129,"attrs":1115},{"color":12},{"type":780,"content":1117},[1118],{"type":783,"content":1119},[1120],{"type":18,"content":1121},[1122,1128],{"text":1123,"type":22,"marks":1124},"Calculate excess contributions: ",[1125,1126],{"type":38},{"type":129,"attrs":1127},{"color":12},{"text":1129,"type":22,"marks":1130},"Identify the exact amount that exceeded the limit and take corrective measures. ",[1131],{"type":129,"attrs":1132},{"color":12},{"type":780,"content":1134},[1135],{"type":783,"content":1136},[1137],{"type":18,"content":1138},[1139,1145],{"text":1140,"type":22,"marks":1141},"Update your tax return: ",[1142,1143],{"type":38},{"type":129,"attrs":1144},{"color":12},{"text":1146,"type":22,"marks":1147},"Report the excess contributions and any related earnings on your tax return to avoid further complications. ",[1148],{"type":129,"attrs":1149},{"color":12},{"type":764,"attrs":1151,"content":1152},{"level":766},[1153,1158],{"text":1154,"type":22,"marks":1155},"What are the alternatives if you exceed the 401(k) contribution limit?",[1156],{"type":129,"attrs":1157},{"color":12},{"text":774,"type":22,"marks":1159},[1160],{"type":129,"attrs":1161},{"color":778},{"type":18,"content":1163},[1164],{"text":1165,"type":22,"marks":1166},"If you reach the 401k 2025 contribution limit, you do have other options available to save towards your retirement, including: ",[1167],{"type":129,"attrs":1168},{"color":12},{"type":18,"content":1170},[1171,1177],{"text":1172,"type":22,"marks":1173},"Contributing to an IRA or Roth IRA",[1174,1175],{"type":38},{"type":129,"attrs":1176},{"color":12},{"text":774,"type":22,"marks":1178},[1179],{"type":129,"attrs":1180},{"color":12},{"type":18,"content":1182},[1183,1188,1197],{"text":1184,"type":22,"marks":1185},"If you reach the 401(k) contribution limit for 2025, consider contributing to a ",[1186],{"type":129,"attrs":1187},{"color":12},{"text":1189,"type":22,"marks":1190},"traditional IRA",[1191,1194,1196],{"type":31,"attrs":1192},{"href":1193,"uuid":34,"anchor":34,"target":816,"linktype":36},"https://www.unbiased.com/discover/retirement/401k-vs-ira-what-s-the-difference",{"type":129,"attrs":1195},{"color":12},{"type":820},{"text":1198,"type":22,"marks":1199}," or Roth IRA.  ",[1200],{"type":129,"attrs":1201},{"color":12},{"type":18,"content":1203},[1204],{"text":1205,"type":22,"marks":1206},"Both offer tax benefits, though their structures differ.  ",[1207],{"type":129,"attrs":1208},{"color":12},{"type":18,"content":1210},[1211,1216,1225],{"text":1212,"type":22,"marks":1213},"Traditional IRAs provide tax deductions on contributions, while ",[1214],{"type":129,"attrs":1215},{"color":12},{"text":1217,"type":22,"marks":1218},"Roth IRAs",[1219,1222,1224],{"type":31,"attrs":1220},{"href":1221,"uuid":34,"anchor":34,"target":816,"linktype":36},"https://www.unbiased.com/discover/retirement/why-save-for-retirement-with-a-roth-ira",{"type":129,"attrs":1223},{"color":12},{"type":820},{"text":1226,"type":22,"marks":1227}," offer tax-free growth and withdrawals in retirement. However, income limits may apply to Roth IRAs. ",[1228],{"type":129,"attrs":1229},{"color":12},{"type":18,"content":1231},[1232,1234,1242],{"text":1233,"type":22},"Creating a Roth IRA can make a big difference in your retirement savings. Use our ",{"text":250,"type":22,"marks":1235},[1236],{"type":31,"attrs":1237},{"href":254,"uuid":255,"anchor":34,"target":35,"linktype":74,"story":1238},{"name":1239,"id":1240,"uuid":255,"slug":1239,"url":1241,"full_slug":1241,"_stopResolving":558},"roth-ira-calculator",505365705,"discover/retirement/roth-ira-calculator",{"text":1243,"type":22}," to see how your savings could grow.",{"type":18,"content":1245},[1246,1252],{"text":1247,"type":22,"marks":1248},"Exploring Health Savings Accounts (HSAs) for retirement savings",[1249,1250],{"type":38},{"type":129,"attrs":1251},{"color":12},{"text":774,"type":22,"marks":1253},[1254],{"type":129,"attrs":1255},{"color":12},{"type":18,"content":1257},[1258,1267],{"text":1259,"type":22,"marks":1260},"HSAs",[1261,1264,1266],{"type":31,"attrs":1262},{"href":1263,"uuid":34,"anchor":34,"target":816,"linktype":36},"https://www.unbiased.com/discover/banking/what-is-an-hsa",{"type":129,"attrs":1265},{"color":12},{"type":820},{"text":1268,"type":22,"marks":1269}," are a tax-efficient option for saving toward retirement healthcare costs.  ",[1270],{"type":129,"attrs":1271},{"color":12},{"type":18,"content":1273},[1274],{"text":1275,"type":22,"marks":1276},"Contributions are tax-deductible, grow tax-free, and can be withdrawn tax-free for qualified medical expenses. The flexibility of HSAs makes them an excellent supplemental retirement savings vehicle. ",[1277],{"type":129,"attrs":1278},{"color":12},{"type":18,"content":1280},[1281,1287],{"text":1282,"type":22,"marks":1283},"Brokerage accounts",[1284,1285],{"type":38},{"type":129,"attrs":1286},{"color":12},{"text":774,"type":22,"marks":1288},[1289],{"type":129,"attrs":1290},{"color":12},{"type":18,"content":1292},[1293],{"text":1294,"type":22,"marks":1295},"Brokerage accounts provide another alternative for those exceeding 401(k) limits.  ",[1296],{"type":129,"attrs":1297},{"color":12},{"type":18,"content":1299},[1300],{"text":1301,"type":22,"marks":1302},"While they lack tax advantages, they offer flexibility in investment options and withdrawals. This makes them suitable for diversified long-term growth. ",[1303],{"type":129,"attrs":1304},{"color":12},{"type":18,"content":1306},[1307,1313],{"text":1308,"type":22,"marks":1309},"Diversifying retirement savings",[1310,1311],{"type":38},{"type":129,"attrs":1312},{"color":12},{"text":774,"type":22,"marks":1314},[1315],{"type":129,"attrs":1316},{"color":12},{"type":18,"content":1318},[1319,1324,1332],{"text":1320,"type":22,"marks":1321},"Diversifying across multiple accounts, including IRAs, ",[1322],{"type":129,"attrs":1323},{"color":12},{"text":1259,"type":22,"marks":1325},[1326,1329,1331],{"type":31,"attrs":1327},{"href":1328,"uuid":34,"anchor":34,"target":816,"linktype":36},"https://www.unbiased.com/discover/banking/hsa-vs-fsa",{"type":129,"attrs":1330},{"color":12},{"type":820},{"text":1333,"type":22,"marks":1334},", and brokerage accounts, can provide more flexibility and balance in your retirement strategy.  ",[1335],{"type":129,"attrs":1336},{"color":12},{"type":18,"content":1338},[1339],{"text":1340,"type":22,"marks":1341},"By spreading savings, you reduce risk and optimize returns over time. ",[1342],{"type":129,"attrs":1343},{"color":12},{"type":764,"attrs":1345,"content":1346},{"level":766},[1347,1352],{"text":1348,"type":22,"marks":1349},"Key considerations for your 2025 retirement strategy",[1350],{"type":129,"attrs":1351},{"color":12},{"text":774,"type":22,"marks":1353},[1354],{"type":129,"attrs":1355},{"color":778},{"type":18,"content":1357},[1358],{"text":1359,"type":22,"marks":1360},"When planning retirement contributions, consider these factors: ",[1361],{"type":129,"attrs":1362},{"color":12},{"type":18,"content":1364},[1365,1371],{"text":1366,"type":22,"marks":1367},"Assess your personal financial goals & retirement timelines",[1368,1369],{"type":38},{"type":129,"attrs":1370},{"color":12},{"text":774,"type":22,"marks":1372},[1373],{"type":129,"attrs":1374},{"color":12},{"type":18,"content":1376},[1377],{"text":1378,"type":22,"marks":1379},"Reviewing your financial goals and retirement timeline helps determine how much you need to contribute in 2025 to meet your long-term objectives. ",[1380],{"type":129,"attrs":1381},{"color":12},{"type":18,"content":1383},[1384,1390],{"text":1385,"type":22,"marks":1386},"Health Savings Accounts (HSAs)",[1387,1388],{"type":38},{"type":129,"attrs":1389},{"color":12},{"text":774,"type":22,"marks":1391},[1392],{"type":129,"attrs":1393},{"color":12},{"type":18,"content":1395},[1396],{"text":1397,"type":22,"marks":1398},"Integrating HSAs into your retirement strategy can address future healthcare expenses while offering tax-efficient savings growth. ",[1399],{"type":129,"attrs":1400},{"color":12},{"type":18,"content":1402},[1403,1409],{"text":1404,"type":22,"marks":1405},"Maximize your contributions",[1406,1407],{"type":38},{"type":129,"attrs":1408},{"color":12},{"text":774,"type":22,"marks":1410},[1411],{"type":129,"attrs":1412},{"color":12},{"type":18,"content":1414},[1415],{"text":1416,"type":22,"marks":1417},"Reaching the 401(k) 2025 contribution limit or utilizing catch-up contributions will ensure you make the most of tax advantages and employer matches. ",[1418],{"type":129,"attrs":1419},{"color":12},{"type":764,"attrs":1421,"content":1422},{"level":766},[1423,1428],{"text":1424,"type":22,"marks":1425},"Get expert financial advice",[1426],{"type":129,"attrs":1427},{"color":12},{"text":774,"type":22,"marks":1429},[1430],{"type":129,"attrs":1431},{"color":778},{"type":18,"content":1433},[1434],{"text":1435,"type":22,"marks":1436},"Understanding the 401(k) contribution limit for 2025 and the opportunities it presents is essential for building a solid retirement savings plan.  ",[1437],{"type":129,"attrs":1438},{"color":12},{"type":18,"content":1440},[1441],{"text":1442,"type":22,"marks":1443},"By staying informed about the latest changes, maximizing contributions, and exploring alternative options when necessary, individuals can take full advantage of the tools available to secure their financial future. Strategic planning today can make a significant difference in achieving long-term retirement goals. ",[1444],{"type":129,"attrs":1445},{"color":12},{"type":18,"content":1447},[1448,1453,1462],{"text":1449,"type":22,"marks":1450},"Let Unbiased match you with a financial advisor for expert ",[1451],{"type":129,"attrs":1452},{"color":12},{"text":1454,"type":22,"marks":1455},"financial advice",[1456,1459,1461],{"type":31,"attrs":1457},{"href":1458,"uuid":34,"anchor":34,"target":816,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/advice-areas/?_gl=1%2aq6is0t%2a_ga%2aMjEwOTg3MTczOC4xNjk3NDQ0NjE5%2a_ga_2L93GWDPD4%2aMTcwNjU0MTg4Mi41MS4xLjE3MDY1NDE4ODQuNTguMC4w",{"type":129,"attrs":1460},{"color":12},{"type":820},{"text":1463,"type":22,"marks":1464}," in navigating your 401(k) contributions and making the best decisions to optimize your retirement savings. ",[1465],{"type":129,"attrs":1466},{"color":12},"article-rich-text",[1469],{"_uid":1470,"image":1471,"title":1476,"subtitle":12,"component":1498,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1472,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1473,"copyright":12,"fieldtype":1474,"meta_data":1475,"is_external_url":543},19305456,"https://a.storyblok.com/f/185166/5267x3511/13f87d448c/401-k-contribution-limits.webp","asset",{},{"type":15,"content":1477},[1478],{"type":18,"content":1479},[1480,1488,1493],{"text":1481,"type":22,"marks":1482},"401(k) contribution limits 2025",[1483,1486],{"type":25,"attrs":1484},{"class":1485},"primary-gradient",{"type":129,"attrs":1487},{"color":12},{"text":1489,"type":22,"marks":1490},": what to expect",[1491],{"type":129,"attrs":1492},{"color":12},{"text":774,"type":22,"marks":1494},[1495],{"type":129,"attrs":1496},{"color":1497},"#000000","app-hero",{"name":1500,"created_at":1501,"published_at":1502,"updated_at":1503,"id":1504,"uuid":1505,"content":1506,"slug":1515,"full_slug":1516,"sort_by_date":34,"position":1517,"tag_list":1518,"is_startpage":543,"parent_id":1519,"meta_data":34,"group_id":1520,"first_published_at":1521,"release_id":34,"lang":730,"path":34,"alternates":1522,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Unbiased team","2024-01-18T11:49:29.332Z","2024-01-24T16:17:31.264Z","2024-01-24T16:17:31.285Z",429182198,"a38620a4-ad81-47d5-b2fe-9fe933abd010",{"job":1507,"_uid":1508,"name":1500,"image":1509,"component":1513,"description":1514},"Writers","a6e3129c-eeee-4438-8204-797883981521",{"id":1510,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1511,"copyright":12,"fieldtype":1474,"meta_data":1512,"is_private":12,"is_external_url":543},13850198,"https://a.storyblok.com/f/185166/400x400/232c6cb764/unbiased-team.jpg",{},"article-author","Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.","unbiased-team","authors/unbiased-team",-10,[],224651374,"170282a1-0fe6-4cf3-ab19-04639ed3474c","2023-04-03T07:50:42.397Z",[],[1524],{"_uid":1525,"body":1526,"title":1543,"component":1544},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1527,1531,1535,1539],{"_uid":1528,"href":1529,"text":1530,"component":542,"openInNewWindow":558},"1a017a12-f634-4e70-8a53-b797fab9ff95","https://www.unbiased.com/discover/retirement/financial-advisor-for-401k","Financial advisor for 401k",{"_uid":1532,"href":1533,"text":1534,"component":542,"openInNewWindow":558},"b7c5ed40-ade9-47f5-a3d5-5e36be9644d8","https://www.unbiased.com/discover/retirement/roth-ira-vs-401k","Roth IRA vs. 401(k)",{"_uid":1536,"href":1537,"text":1538,"component":542,"openInNewWindow":558},"83ce6713-509d-41a6-aeb1-d8d3a198dad1","https://www.unbiased.com/discover/retirement/401k-statistics","401k statistics",{"_uid":1540,"href":1541,"text":1542,"component":542,"openInNewWindow":558},"2fe88aa1-e4ed-400d-85de-88d1d95c8c17","https://www.unbiased.com/discover/retirement/401k-investments","401k investments","Related articles","app-links-list",{"_uid":1546,"title":1547,"plugin":1548,"og_image":12,"og_title":12,"description":1549,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"9142b952-b78c-4cd4-9d8b-24128c7d5c7f","401(k) Contribution Limits 2025 | Unbiased ","seo_metatags","Discover the 2025 401(k) contribution limits, catch-up contributions, and strategies to maximize retirement savings. ","app-article",[],[],"This article covers everything you need to know about your 401k and how much you should be looking to save.  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