<prompt> Human: It has just occurred to me I may be doing my 401k contributions wrong and wanted to ask here:I currently make 130k a year. I received a 10k sign on bonus this year new job which skews my contribution amounts below.my contributions are:PRE-TAX: 14 700 biweeklyROTH: 4 200 biweeklywhich makes a total of 18. Now what I had planned on was maxing my 401k and seperate IRA contributions for the year. currently, I have paidPRE-TAX: 7900 1400 from sign onROTH: 2300 500 from sign onso 10200 total so far this year.leaving 8300 left to contribute to the 401k. which would only work out to 553 per pay period 15 periods remainingNow, where I went wrong is I had in my head that the ROTH contributions would go to a seperate IRA, no idea where I got that from.so now my numbers are all messed up. What is the best way to correct this to maximize my contributions? I would like to still make contributions all year so the percentages would need to be adjusted. I imagine that I will want to change the pre tax to around 9 and remove the Roth contributions. Then set up direct debits to fund a separate roth IRA correct?The company does have a match but its vested at 3 years horrible and tbh, I probably wont be here next year no a huge fan of the company. So I will lose the employer contributions.  <response>: You are confusing 401ks and IRAs. You can have:401k through work. These can be either Roth or traditional sounds like you have access to bothIRA setup on your own. These can be either Roth or traditional too you may want to check the income limits for the RothIf you want to max out your 401k you need to contribute about 14 to 15 of your income. If you want to max out your IRA you need to setup the IRA through a brokerage e.g. Vanguard, Fidelity and then connect it to an account with the money and contribute 5,500 from that account to the IRA. It also doesnt have to be all at once, I know Vanguard lets you setup recurring contributions. Dont forget to actually invest the 5,500. 