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In a decade’s worth of training, not a single hour was expended to teach you how a 401(k) works, what ... Read more
A UAW worker in Indiana worked his whole life, budgets carefully, has a 401(k)—and has nothing saved. Harry's story is the retirement crisis made human.
Vanguard’s new target-date trusts put guaranteed income inside your 401(k). But a floor isn’t a plan. Here’s what the product can’t tell you. The post Vanguard Target Retirement Lifetime Income: What ...
Why cryptocurrency fails ERISA's fiduciary standard and doesn't belong in 401(k) retirement plans despite the Trump executive order.
Wish we all could see the future! Will be 70 later this year. Still working part time, started collecting SS at FRA. Divorced long ago, never really recovered financially. Work recently started a 401k...
Higher-income earners must make 401(k) catch-up contributions with after-tax dollars and place them in a Roth account.
Here’s how your 401(k), IRA and Social Security can help you pay for storm-related costs.
Many companies are automatically enrolling workers in a 401(k) plan at a higher savings rate.
President Obama will propose new 401(k) and IRA rules in his 2017 budget.
Median retirement savings hit $185,000 at ages 55 to 64. Here’s how 401(k), IRA, and total balances compare across age groups. The post Average Retirement Savings by Age: See What Americans Have Saved...
I always put the maximum amount allowed into my 401K. Now I realize that I will be paying high taxes when I need to take RMDs. Now I realize how much lower my taxes would be if I only lived off of qua...
An interview with FPL's Amanda Harrell, where we talk through how to handle a 401(k) rollover without blowing up your Backdoor Roth IRA, whether direct indexing is really worth it, and what to think a...
The second quarter is a key time to reset your finances and stay on track for the year. From reviewing your budget to maximizing your 401(k) and rebalancing your investments, these smart money moves c...
There’s a lot of increased attention about adding private markets investments to 401(k) plans in the wake of President Trump’s 2025 Executive Order on alternatives, and participants are starting to ta...
As federal workers move into private-sector jobs, bigger paychecks may come with retirement tradeoffs. What happens to your public plan, and future 401(k) savings could shape long-term financial secur...
Key Takeaways Much of the technology infrastructure that powers the workplace retirement plan industry could use an update to improve on old legacy systems to better serve the needs of today’s 401(k) ...
In this special edition of the 401(k) Specialist Podcast—part of our Deep Dive series on “How Not to Get Sued”—Editor-in-Chief Brian Anderson sits down with legendary ERISA attorney Fred Reish to exam...
More than half of recent retirees say they regret how they saved, and only 2 in 5 feel on track with their original retirement plan. See what the data reveals and how to stress-test your 401(k) strate...
The Pinpoint Policy Institute's public campaign against the Institute for the Fiduciary Standard reflects a mysterious phase of the ongoing debate on private investments in 401(k) plans.
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...
In the first new 401(k) Specialist Pod(k)ast episode of 2026, Editor-in-Chief Brian Anderson sits down with Kelby Meyers, founder and CEO of Nestimate, to explore the evolving landscape of in-plan ret...
Happy 2026! Get the updated FAANG FIRE Cheat Sheet with new 401k limits ($24.5k), tax brackets, and triple paycheck dates.
![How to Improve Your Finances in 2026 [12-Step Financial
Checklist]](/postImages/postImage17780.jpeg)
To improve your finances in 2026, assess your full financial picture, set achievable goals, automate savings, rebuild your emergency fund, increase your 401(k) contributions, and rebalance your 401(k)...
Did you know you could triple your 401(k) contributions with a mega backdoor Roth tax planning strategy? We share how to maximize your tax free retirement income.
A 60-year-old nurse was almost convinced to move her $800,000 401(k) into an IRA with the same custodian, and it almost cost her nearly $7,000 a year in new advisory fees. All for what? “Someone...
Meera and her husband have $4.5 million in retirement accounts and a $430K income. They want guidance on when to start Roth conversions, how much to convert each year, and whether to continue 401(k) c...
During my free financial review of my rollover IRA, I was feeling pretty good about how far it had come. Back when I retired from finance in April 2012, I had about $300,000 in my 401(k). After leavin...
Are you taking advantage of all your Roth opportunities? We break down the differences between the Roth IRA, Roth 401(k), or the Mego Backdoor Roth 401(k). by comparing your choices with another favor...
Millions of small 401(k) balances end up in safe harbor IRAs, where fees and low returns erode growth. But advisors can help reclaim lost savings....
FROM THE ARTICLE. Are Workers Warming Up to In-Plan Annuities? Surveys show growing interest in 401(k) plans with a guaranteed-income option. By Maya Dollarhide and Tamara E. Holmes, AARP. Published O...
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...
M64 wife is 57, no kids. We have just north of 4 mil in liquid assets split between 3 in after tax and 1+ in 401k. How much should we have in real estate vs bonds,equities and annuities? I’m ant...
Starting in 2026, high earners over the age of 50 must make 401(k) catch-ups after-tax. Savers may not be celebrating, but advisors say the shift will benefit them over the long term....
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...
A 401(k) isn't the only way to fire up your savings. There are other tax-smart ways to build a nest egg, including these three out-of-the-box moves used by the richest retirees....
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-...
To read this story on KSL.com, click here. “If you’ve saved more than $300,000 in a traditional IRA or 401K, congratulations – you’ve already cleared one of the biggest hurdles...
Choosing a beneficiary for your 401(k), insurance policy or similar assets is crucial for estate planning. Here is how to do it, and six pitfalls to avoid....
How have others approached life insurance once they get closer to their retirement savings goal? I just crossed the $1 million mark in a 401k and expect to reach my goal in less than five years. Which...
Retirement planning is often framed as a numbers game where you can get lost in focusing on maximizing your 401(k), minimizing taxes, and chasing investment returns. But financial security alone doesn...
I was able to save $600k in a 401k starting at age 50 to now 60. After 50 your max for contribution is much higher. If you start late its possible to save quite a bit. Go and get a free version of Bol...
Stable value funds are a staple in many 401(k) plans, offering principal protection and steady returns by investing in high-quality bonds. They’re particularly popular with participants nearing ...
Are you taking advantage of all your Roth opportunities? We break down the differences between the Roth IRA, Roth 401(k), or the Mego Backdoor Roth 401(k). by comparing your choices with another favor...
I have a 403(b). My wife has a 401(k). Let's figure out who has the better retirement account and if it matters for our portfolio. The post Wife vs. Husband: A Retirement Account Showdown appeared fir...
I’m 54. I have a small, under $50,000, 401k that we contribute to monthly and I have a pension. If I take the pension early it will be $1,200 per month. If I wait until 62 it will be $2,000 per ...
Gen X is retiring soon. Are they ready? The outlook isn’t great. Gen X is the first generation to rely primarily on their own individual savings through 401(k)-like plans for retirement. They we...
When I read through these threads and see so many with great pensions, high SS and tons of cash in there 401K and savings, I generally feel as if I am doomed. It is not that I never considered down th...
What makes a millionaire? There are many paths to financial success: from 401(k) millionaires to savvy planners, these insights reveal how wealth is built and sustained across the U.S. and around the ...
College grads can help set themselves up for financial independence by focusing on emergency savings, opting into a 401(k) at work (if it's offered) and disciplined, long-term investing....
I'll be retiring at 67, in about 643 days (not that I'm counting). I wondering how does one access the 401K funds for monthly living, as Social Security will not cover everything. Do you take a large ...