<prompt> Human: The 401k my current employer offers has a limitation Ive never come across before. The matching contribution vests over four years. Does anyone know what years contribution limit that match will count against? Is it when the contribution being matched is made or when the match vest of something else?More concretely, if I contribute 18,500 before tax next year my employer will contribute 5,100. The total contribution limit in 2018 is 55,000. Will I be able to contribute an additional 36,500 55,000 - 18,500 after tax because none of the employer contribution counts in 2018, 31,400 55,000 - 18,500 - 5,100 because it all counts in 2018, or something else?  <response>: The employers contribution counts when they make it, not when it vests. 