<prompt> Human: My Dad makes 230kish but cant deduct contributions to IRa because of his Unions pension program. My mother makes 22kish and has a 403b can my dad max out my moms 403b with a end of the year contribution?  <response>: No, 401k and 403B contributions must come from payroll deductions or rollovers from another 401k403b. So you dad cannot make a lump sum payment to your moms 403B. Best bet is to set moms 403B contribution to the max they will allow for the next few paychecks. 