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Reply to "How do people have massive retirement accounts if it's a $19,500 (or whatever) limit per year?"
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[quote=Anonymous]PPs have answered. It is time & market returns, mostly, and some other effects. I will note that some can contribute to both a 457b and 403b, 19,500 each. We are a family that have both partners with that situation, so that is 78k pretax, plus $12k in backdoor Roth IRAs. Pretty nuts. Still, most of our retirement savings are from before we were in that situation, but that have had time to grow.[/quote]
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