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REDDIT

Is there an earned income contribution difference for Roth 401k and Roth IRA?

P
Jul 23, 2026 · 10:17

Someone confirm something for me, I can’t trust AI on this one.

Anyways, if I work for one to two months and put my entire paycheck into my 401k equaling 7500 dollars, does that mean I can still contribute 7500 dollars to my Roth IRA?

I’m getting confused because I thought earned income was what I take home, and since I put my entire check into the 401k, I took home zero dollars.