"can I contribute t a 401(k) AND a simple ira at the same time?"?

Answer 1

You can as long as they are not both with the same employer. The employer with the simple plan can not have any other plan in the same year that the simple was in place.
The next problem is that you can defer salary into both in one year but you may not exceed the $15,000 salary deferral amount for 2006. If you max out the salary deferral on both you would have deferred $25,000 of salary i 2006 and this would put you $10,000 in excess and you will have to have one of the plans send back the $10,000 plus earnings by March 15th, 2007 in order to avoid penalty.

Answer 2

I am 99% certain that you can. There is, however a limit to how much you can put away every year. Not certain enough to give you the amount, but you can easily research that. Actually, I have researched it. The web address is: http://www.irs.gov/publications/p590/index.html
Copy and paste at your leisure.

Answer 3

Yep. No problem. Of course, there are limits on both, but you can spread it around. In fact, I would spread it around. My wife did that last year, and we both plan on doing it this year. Remember, there is a total limit on retirement programs. We plan on maxing out our at work plans, and our Roth's as well.

Answer 4

Yes. One's contribution limit does not affect the other's.

Answer 5

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