<prompt> Human: I have previously saved enough to be able to invest outside of my tax advantaged accounts, but due to emergency expenses and a lifestyle change, it seems likely that I will not be able to contribute the maximum. Is there a good way to move my non-tax advantaged investments into an IRA or 401k?Assistant: Let me understand. You thought you were going to be able to both save the max in 401k and IRA as well as put additional money in a taxable account. Having put money in a taxable account exigent circumstances now prevent you from maxing out the tax advantaged accounts. All else being equal, you would prefer to put the max in those accounts rather than have money in a taxable account.Is that right? Assuming it is correct, then you could do the following. Take money out of the taxable account and put it in an IRA up to the max. To get money into your 401k, it needs to come out of your paycheck. However, money being fungible, you can have as much put in the 401k as you can bear, and replace the income with money from your taxable account.I am having trouble thinking of anything else that would help.Human: To clarify, in the past I already maxed out my IRA and 401k and then placed additional money in a taxable account. I have not placed any additional money into a taxable account for this year. Your solution is sound and the only solution that I have come up with so far, but also includes fees with taking in and out from the taxable account. I was hoping for some kind of backdoor from a taxable account to a tax advantaged account in this circumstance.  <response>: Unless your taxable account can issue a check to your IRA it sounds like you are going to have to weigh fees vs tax savings. 