Once again this year, the contributionlimit for 401(k) and 403(b)retirement plans is going up. For2004, the maximum you can put intothese types of retirement accounts is$13,000. If you're over age 50, youcan kick in an extra $3000, raising thetotal contributions to $16,000. Self-employedphysicians who set up asolo 401(k) can put a maximum of$41,000 into their retirement accounts,while those with simplified employeepension (SEP) plans can invest 25% oftheir income, up to a maximum of$41,000. By maximizing your retirementplan contributions as much aspossible, you save in two ways: Yousquirrel away money for your retirementand you don't pay income taxeson any cash put into the plan.