Question - 401K contributions. Can you max out on the 401K and still contribute to a Roth Ira?

[k169969a]

Question - 401K contributions. Can you max out on the 401K and still contribute to a Roth Ira?

My adult son ( single ) needs to live with us due to a medical condition.    He managed to snag a work from home job  with medical benefits and a 401K plan.  We made some very minor mods to the house to make it a bit more livable for him.    He has a small apartment like set up and its working out pretty well. 

 His out of pocket expenses beyond his medical are small, allowing him to max out his 401K contribution limits and his HSA limits.    He was wondering if he could put money in a Roth IRA. I know its not a lot to set aside but he may as well take advantage where and while he can.      I can not find anything that says he can't do both.   

Is there a Roth exclusion here?   I believe a traditional IRA is off the table  if he is already fully maxed on the 401k.

Thanks

[larryk678000]

I assume this will NOT apply to your son, but there are income limits, above which you cannot contribute to a ROTH IRA

https://www.schwab.com/ira/roth-ira/contribution-limits

[roachme]

He can contribute the max to the 401k of $20,500 and a total of $6,000 to an IRA, either Roth, traditional, or both but the combination of the IRAs can't be more than the $6,000.  If he's over 50, the limits are higher. 

https://www.nerdwallet.com/article/investing/can-i-have-a-401k-and-an-ira