Yes they do limit contributions. otoh, if youve every considered retiring Health care costs are what eats your budget up the quickest and healthcare.gov will charge you a payback if you take out too much of your 401k. because its “ taxable income” whereas your roth is not
Yup, but the government limited the amount I could stash away in an IRA Roth. So, in my case I could not benefit from the IRA Roth like I would have liked to.