i was reading about HCE's (just learned i'll be one this year) and found this article
https://smartasset.com/retirement/401k-highly-compensated-employeewhich says
Before we explore how restrictions may apply to you, let’s get to know maximum 401(k) contribution rules that apply to all. For 2018, a 401(k) participant filing single can contribute up to $18,500. Those married filing jointly can contribute up to $19,000. If you’re at least age 50, you can direct an additional $6,000 in “catch up” contributions. Factor in an employer match and you could be looking at major tax-advantaged savings. But not so fast.
obviously, 2018, not 2019 numbers. but, the thing that jumped out to me was that the contribution limit for MFJ was $500 higher than the individual amount. is this true?
my wife does not have access to a 401k, so am i right in thinking that i could've been contributing an extra $500/yr for the last X years?