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Rachel

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  1. Roth 401k contributions are generally after-tax but still go into your 401k plan and are subject to the same 401k rules, i.e., contribution limits, withdrawal rules, etc. The difference is you are paying taxes at the time you contribute versus when you withdrawal (unless you don't meet the withdrawal requirements of holding the account for at least 5 years and being age 59.5 when you withdrawal). https://www.betterment.com/resources/traditional-or-roth-401k-decide-with-this-401k-calculator/
  2. Check out this link: https://www.irs.gov/retirement-plans/401k-plan-fix-it-guide-you-have-not-timely-deposited-employee-elective-deferrals You may not be late unless your plan indicates something else. "Department of Labor rules require that the employer deposit deferrals to the trust as soon as the employer can; however, in no event can the deposit be later than the 15th business day of the following month. Remember that the rules about the 15th business day isn't a safe harbor for depositing deferrals; rather, that these rules set the maximum deadline. DOL provides a 7-business-day safe harbor rule for employee contributions to plans with fewer than 100 participants."
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