<prompt> Human: Have some money saved up so I was going to increase my paycheck reduction to 50 for my company retirement account. Probably a stupid question, but at some point this would probably go over the Roth IRA limit atleast.. what happens at that point? If, for example, it was at 10k by Tax time, could I redirect X - Roth Limit to my 401k? And what would happen to the money paid on taxes for the Roth?  <response>: Your company retirement account is not a Roth IRA. Most employer-sponsored retirement accounts like 401k and 403b plans automatically stop contributions at the annual limit. Traditional and Roth IRA contributions past the annual limit are subject to a penalty until the excess contribution is removed. 