<prompt> Human: I have a Roth 401k through my employer and I make regular contributions through pay check deduction. I have built up some savings and want to move some more money into it. When I talked to a representative from the account provider they told me I cannot make an out of pocket contribution. So what other options do I have? Edit: max not mad  <response>: 401k contributions must come from your paycheck. So the way to accomplish the same thing is to massively increase your contribution from your paycheck and use the savings to supplement your lower takehome income. You could also put 5500yr in an Roth IRA. 