I used to think that was a rule across the board, but keep in mind that only applies to 401k's. If you work for a .gov or non-profit then you can contribute more if your employer offers it.Max you can contribute is $19k
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In my case my employer offers both 403b and 457b option and the 19k (19.5k) limit is NOT a combined limit. I'm able to contribute 38k (39k for 2020) into each. Also, the employer match amount DOES NOT count towards the limits. Keep in mind that i is also all individual so my wife can contribute 19k as well into her 401k. So in our case we can keep driving used vehicles and contribute $58,500+employer match % in 2020.