Ask almost anyone what the 401(k) limit is and you'll hear the same number: $24,500.
That number is correct. It's also answering a question nobody asked.
Because $24,500 is the limit on one specific category of contribution, the money you elect out of your own paycheck. The actual ceiling on what can land in your 401(k) this year is $72,000.
That's roughly a $47,500 gap that most people never learn exists, and for some employees it's sitting there completely unused.
Let's find it. 👇