<prompt> Human: I want to put in so much more. Why is there a cap on this?  <response>: IRAs and 401ks etc are tax advantageous. 550018000 is how much the government will allow a person to keep that advantage at or below a set level. Its their way of saying congrats on making more money - you should be able to pay more to societyshouldnt need as much of a discount on your taxes.In a similar vein to asking If I made 9k Id be in the 10 tax bracket - but if I earn 10k then only 9,220 is at 10 and they make the other 780 be at 15. Why cant I just pay 10 on all of it? 