ER docs tend to lead financially complex lives. With different income sources, different income types, and possibly earnings in multiple states, this provides a major hurdle when it comes to optimization. But not all hope is lost; the added complexity can often lead to opportunity, like in the case of additional contribution limits with multiple non-related retirement accounts.

On today’s episode, we’ll discuss the rules for multiple retirement accounts with separate employers and talk about how to remedy an accidental over-contribution, and even get into a scenario where an intentional over-contribution could make sense.