Darren is eligible to contribute to a traditional 401(k) in 2018. He forgot to contribute before year-end. If he contributes before April 15, 2019, he is allowed to treat the contribution as though he made it during 2018.

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This is known as the "elective deferral" rule and it allows individuals to make contributions to certain retirement accounts, such as a traditional 401(k), for the previous year up until the tax filing deadline, which is usually April 15th. As long as Darren makes the contribution before April 15, 2019 and designates it as a contribution for the 2018 tax year, he can treat it as though he made the contribution during 2018.

Darren Is Eligible to Contribute to a Traditional 401(k) in 2018