<prompt> Human: Ive contributed something like 6000 so far in 2015 that has not been matched. I am about to start a new job that would offer a full match. Will my contributions to date in 2015 count against the IRS limit and prevent me from fully realizing this benefit? Or is there a way I could undo the contributions Ive made so far so I could then contribute the full amount into my new companys 401k program?  <response>: OP: are you sure its a full unlimited 100 match? Many companies offer a graded match that decreases as your contribution increases. If its graded, the 6K youve already put in with your current company might be almost a non issue. 