This is a test of commonsense with single/multi-choices. Complete the next sentence:

How to invest in 401 k
Know your limits.
The internal revenue service (irs) establishes the maximum individuals can contribute to their 401 k every year. Your employer might also impose limits on you.

Available choices:
a). In order to determine if you can contribute more than this, you'll need to understand the federal and state governments. For example, your employer might state, " there are no eligible employees for 401 k, " and you have to decide whether you want to contribute more than that..
b). Check the irs website for limits, which can change from one tax year to the next. For example, in 2013 investors under 50 were able to save up to $17 , 500 in pretax dollars through a 401k..
c). These limits are listed in irs form 1040. However, if you claim to have 100 , 000 in retirement homes, you know that taxes must not be withheld..
d). You need to understand what your limits mean. For example, if you find that you don't need to contribute every two years, then you must set a limit to 500% of your annual contributions..
The answer is:
b).