Showing 50 results of 189
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...
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’...
Private equity in 401(k)s may face significant liquidity strains, reducing returns and complicating plan management, according to new Morningstar research.
Looking to start a Roth IRA by April 1 so I can get a start on the 5 year rule, I have 401K plans but will need some roth if I have any chance of ever getting under the 400% magi in 4 years, where sho...
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...
Jeremy Keil explains the 5 RMD (Required Minimum Distribution) mistakes in Retirement and how to avoid them. A retiree recently called for help. It was their first year taking Required Minimum Distrib...
Does offering private capital in 401(k)s represent an exciting new investment opportunity for "the little guy," or an opaque and expensive Wall Street product?
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...
Happy 2026! Get the updated FAANG FIRE Cheat Sheet with new 401k limits ($24.5k), tax brackets, and triple paycheck dates.
I'm in career for over 42 years that I don't like anymore and does cause a lot of stress. (my current job does pay very well and feels like golden handcuffs) Retiring at 65 will get me 3100 a month pl...
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 ...
I retired at 62 (now 63) in June 2025,and I have a Roth IRA with 15% and traditional IRA with about 85% of total. My wife is 64 and still working to pad her retirement and for our health insurance. I ...
I am planning on retiring next year. Between Social Security, a small pension, and rolling my 401K over into and IRA with a 5% return on CDs, I would make $40,000 more per year than I make working now...
Divorce does not automatically change who will inherit your 401k. Make sure you know the rules and update your plans.
Americans increasingly use 401(k)s as emergency funds, not retirement savings, exposing flaws in U.S. retirement policy and deepening insecurity.
“Front loading” 401k contributions means pushing as much of your annual contribution as possible into the earliest months of the year.
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...
Imagine it's 2004 and I explain to you what a mortgage-backed security (MBS) is. I show you how they work and how banks are using them to sell groups of mortgages to investors. Even with this knowledg...
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 worst investments I've ever owned all share one thing in common—I couldn't sell them.Whether we are talking fractional shares of expensive artwork or private investments in friends' companie...
? Show Notes In this episode, Roger Whitney dives into the essentials of required minimum distributions, explaining the age thresholds, how the amounts are calculated using IRS life expectancy tables,...
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,...
I expect to retire in the next 12-24 months, and I’m looking for advice on how to handle multiple income streams. Like a lot of people, for almost 40 years, nearly all our household income has c...
Answering listener questions, where we break down the pros and cons of reinvesting dividends automatically vs. manually, explore how to balance the risk of relying on a pension and 457(b), and talk ab...
Planning for retirement isn't just about hitting your savings targets and hoping for the best. It's about getting creative, asking new questions, and challenging your own assumptions. We follow the re...
Recently, an executive order has set the stage for 401 (k) providers to potentially start offering investments like private equity, private real estate, digital assets (think bitcoin), commodities, an...
I am planning to retire (hopefully) soon, and I keep reading things that say I'll need 70% of my pre-retirement income, or 80%, or 90%. The idea being that you will lose some of the expenses related t...
In this episode, Brian asks some great questions about using Net Unrealized Appreciation (NUA) for company stock inside a 401(k). We dive into the rules, timing, and strategies that could lead to majo...
Should everyday investors be allowed to hold private equity, venture capital, or even crypto in their 401(k)s? A new executive order suggests it might soon be possible. In this episode, we walk throug...
Answering listener questions about the pros and cons of traditional vs. Roth contributions, merging finances when a spouse has no income but owns an IRA, and how to maximize annual contributions to a ...
I still have my Meta 401k two years after being laid off, and here’s why keeping your old 401k might actually be the smart move....
When times get tough, borrowing from your 401(k) may seem like a smart solution. After all, it’s your money, right? But here’s the catch: If you don’t follow the 401(k) loan repaymen...
Between my wife and I we both have accounts at Fidelity and Charles Schwab. They are a mix of rolled over 401K's, IRA's and Roth. I have been using Empower as a way to view all the accounts and keep a...
I'm probably 3 to 6 years from retirement. Been thinking about doing some Roth conversions at some point and it occurred to me ... I think I have the ability to dictate whether my contributions are pr...
I'm 60 - don't plan on taking 401k withdrawals until about 65 - still working and planning to "adding to the pile" for a few more years My question is what is the best monthly withdrawal strategy? Say...
Not to paraphrase The Clash.... But, I had been planning to retire in January 2026 with a modest pension, SS @ age 65, and draw down assets at a target rate of 3%, and max out my 401K this year. But, ...
57 y/o/male 90k salary, with a hair over 1m in tradional 401k. Portfolio has averaged 11-12% but a little more the last 2-3 years. January 1, I started investing 10% in tradional & 10% in Roth 401...
Hey everyone! Are you maxing out your 401k contribution every year? This is a great way to save for retirement. Retirement might look like it’s a long way off, but ... Read more The post Changes...
Could you save a small fortune in taxes… by converting your traditional IRA or 401K into a Roth? Find out on this special edition of Retirement Solutions Radio, “Does Converting…...
How many 401k rollovers per year can you do? Understand the one-per-year rule, direct rollovers, taxes, and smart timing with Boldin’s Savings Playbook. The post How Many 401k Rollovers Per Year...
Have you been a good saver? Is a big part of your retirement savings in an IRA or 401K? Saving money in one of these tax-deferred retirement accounts seems like…...
Understand when you can withdraw from 401k without penalty, the ages that matter, the exceptions that apply, and smart sequencing that protects your plan. The post When Can You Withdraw From 401k With...
Most people think the annual 401k limit is $70k. They're wrong. If you switch jobs or have a side hustle, you can open up a second 401k limit. Learn the strategy to contribute up to $140,000 into tax-...
Planning to retire shortly...no debt, nice emergency fund, very small pension, SS and my 401k, IRAs. We are savers, not spenders so not wortied about living beyond a reasonable amount each month. Wher...
So I turned 65 this year, retired, and started drawing SS. I had taken a 401k loan a year earlier and was able to continue payments. My plan was to withdraw 15k per year from investments to live on in...
Recently, an executive order has set the stage for 401 (k) providers to potentially start offering investments like private equity, private real estate, digital assets (think bitcoin), commodities, an...
Should I invest in 401k or Roth IRA? Learn how to decide based on taxes, income, and retirement goals, with examples and guidance. The post Should I Invest in 401k or Roth IRA? appeared first on Boldi...