<prompt> Human: I have 5k in a 401k at a previous employer. New employer has a 50 match on 401k contributions. How should I roll over 401k and maximize this match?If I roll it directly into the 401k plan, that will be 5k of the 18k limit that doesnt get matched.If I roll it over into a traditional IRA, does that count as my 18k contribution limit? If its separate, will I be able to contribute 18k with my new employer, getting the full 9k match?Thanks PFAssistant: Roll it over to a traditional IRA. It is separate from your 18k 401k limit, youll have more investing options, and the fees will be lower.Human: So even though I contributed as 401k, by rolling it over my contributions are essentially reset for the year?Thanks!  <response>: A rollover doesnt count against contribution limits to the extent that the contributions were made in prior years. The IRA contribution limit and qualified plan 401k, some others contribution limits dont have the same bucketi.e. you cant contribute 18k towards your 401k at one job in a given year, quit, roll it over to a new 401k at a new job, and contribute another 18k but you could roll over an unlimited amount from prior years without affecting your current year limit. 