<prompt> Human: My wife earns 40kyr and her company has set a 35 cap on how much she can contribute to her 401k from her paycheck. With that being said, its impossible for her to hit the IRS max of 18k. Im wondering if there are other ways to contribute to her 401k for example, using after tax dollars in our bank account and just recoup the deduction at tax time?  <response>: Pretty sure 401k contributions have to be made by paycheck deductions. 