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When you leave a job, you have several options for your 401(k), including leave it, roll it over to an IRA or your new 40(k), or cash it out. Each choice has different tax implications and can impact ...
There’s a story behind this story, but I’m going to save “That Story” until the PS at the end (don’t miss it, it’s golden). With that disclaimer, let’s get started. […] The post How I Became A 401(k) ...
Many workers find it easier to leave 401(k)s behind when they move to a new job, or cash out small balances that are better left invested, but you have options.
Millennials may not have saved enough for retirement, but how bad can it be if your fake i.d. name is "McLovin"?
Saving into Roth instead of traditional accounts to bring down required minimum distributions in retirement, and whether retiring early is in the cards: that's today on Your Money, Your Wealth® podcas...
401(k) mistakes aren’t just about saving too little – they’re also about poor planning. Common issues like tax-heavy accounts, lack of diversification, and early withdrawals can reduce your retirement...
You can do everything right and still feel stuck. Save aggressively. Max out your 401k. Build a large portfolio. And then one day realize you can’t actually use it when you want to. In this episode, J...
The 401(k) has been a remarkable success in getting Americans to save for retirement. How are you doing with yours?
Pulling money from a 401(k) to buy a property now means you'll lose the power of compounding — and decades of potential growth those funds could have generated.
Investors with slightly higher incomes will quality for retirement savings tax breaks next year.
Many workers feel uncomfortable about their ability to make saving and investment decisions.
Fewer than half of employees receive retirement benefits in these metro areas.
Take these steps to avoid 401(k) fees and penalties when starting a new job.
Alternative investments could appear on some 401(k) menus in the year ahead. Here’s what that means for investors.
Rockstar advisor George Fraser joins the podcast to announce "GigMatch," a revolutionary app designed to replace retirement fear with hope by matching 401(k) participants with gig economy income oppor...
More Americans are taking hardship withdrawals from workplace retirement accounts, prompted by rising costs — and looser rules.
Gen X, the first generation to rely on 401(k)s to build and grow a nest egg, is nearing retirement. There's a hefty shortfall between the "magic number" for retiring and Gen X savings.
A proposed Labor Department rule could ease the path for alternative investments in 401(k)s, but advisors may face new due diligence and communication challenges.
We asked a wealth planner if borrowing from a 401(k) will throw a retirement plan off course. The answer may surprise you.
Explore how meaningful travel experiences, storytelling, and thoughtful planning can enhance your retirement journey. In this episode, Roger answers listener questions on managing retirement accounts,...
The Labor Dept. proposed a change that would make it easier for workplace retirement plans to include alternative investments like private credit and crypto.
When you die, your 401(k) only passes to the named beneficiary. Spouses can roll the account into their own IRA, but most non-spouse beneficiaries must withdraw the funds within 10 years, which can tr...
Dream of a fabulous retirement? How to actually build a $10 million 401(k) from a top wealth manager all while saving taxes and building finanical freedom.
Don't just set and forget your 401(k). Creating a plan for investments, income and health care ensures your balance translates into lifelong financial security.
The Rule of 55 allows certain workers to take penalty-free withdrawals from a 401(k) or 403(b) if they leave their job in or after the year they turn 55. Income taxes still apply, and the funds must r...
A 401(k) student loan match allows employers to make retirement contributions based on your qualified student loan payments instead of requiring direct 401(k) contributions. This SECURE 2.0 provision ...
If you’re earning 1099 income, you likely aren’t spoiled for choice in the retirement savings department. When it comes to ... Read more
Most people have piled their savings into tax-deferred accounts, delaying taxes until they retire. Using Roth options can help ease your tax bite.
It’s natural to want to share your retirement nest egg with family. Learn how to give generously without putting your own financial security or tax bracket at risk.
A 401(k) can offer powerful tax advantages, but understanding how contributions, growth, and withdrawals are taxed is essential. Traditional 401(k)s lower your taxable income today, while Roth 401(k)s...
Stocks have low earnings yields and TIPS have good yields. Move money from stocks into bonds.
I’m likely to retire in the next 2 years at or near full retirement age. I first opened a Roth IRA with a small amount ($1,000) in 2023 to start the 5-year clock, so I was really late to the party. I’...
If you're leaving your employer and you have a 401(k), what should you do? There are six options, some of which are better than others. The post What to Do with Your Old 401(k) If You Change Jobs appe...
Professional 401(k) management may help investors navigate higher contribution limits, market volatility, and rising complexity in 2026. This article explains what’s changed, how personalized manageme...
2026 brings changes to your 401(k) cathc up contributions. Ignoring these changes could get you in trouble with the IRS or cause a suprise tax bill.
Recent data from Vanguard and Fidelity shows 401(k) hardship withdrawals at record highs as everyday costs rise and savings run thin. Understanding the long-term impact of pulling from your retirement...
According to the Goldman Sachs Retirement Survey & Insights Report 2025, many Americans are struggling to save as basic expenses rise faster than wages. Here’s what the data means for your 401(k) and ...
In 2026, the maximum contribution limits for 401(k) plans have increased, giving you an excellent shot at maximizing your retirement savings.
Divorce does not automatically change who will inherit your 401k. Make sure you know the rules and update your plans.
“Front loading” 401k contributions means pushing as much of your annual contribution as possible into the earliest months of the year.
Leaving a job, whether you’re retiring, changing careers, or simply moving on, often comes with one big financial question: What should you do with your 401(k)? This decision matters more than most pe...
In January, new Roth catch-up rules will prevent workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).
Understanding the average and median 401(k) balance by age helps you see where you really stand. Vanguard’s data shows a wide gap between the average balance of $148,153 and the median of $38,176, rev...
Thinking about tapping into your 401(k) during a time of financial stress? Learn the rules, risks, and more strategic alternatives before making a costly mistake.
People knock real estate for being slow and tedious. I get it. It’s not nearly as exciting as chasing big tech or the latest AI winner. But slow and steady might be exactly what the doctor order...
Updated: November 2025 According to the IRS (Notice 2025-67, released November 13, 2025), the 401(k) contribution limit will rise to $24,500 for 2026, up $1,000 from 2025, while the IRA contribution l...
The IRS just announced the official 2026 contribution limits for 401(k)s, 403(b)s, IRAs, Roth IRAs, SIMPLE plans, and catch-up contributions, and there are some meaningful increases you don’t wa...
The maximum employee 401(k) contribution limit for 2026 is increasing by $1,000 to$24,500 according to the IRS. For workers over 50, the catch-up contribution rises to$8,000, bringing the total to$32,...
The IRS has announced the cost‑of‑living adjustments for pension plans and other retirement-related items for tax year 2026....
The industry asked for and received a delay in the rule from the IRS in 2023. Now that it's going into effect, here are the key implications for sponsors and savers....