Showing 50 results of 205
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...
Does Roth 401k have income limits? Learn the rules, myths, and strategies high earners can use to take advantage of Roth 401k contributions. The post Does Roth 401k Have Income Limits? Rules and Myths...
Learn Roth 401k limits for 2025, catch-up amounts, and strategies to maximize contributions. Get tax-free growth tips now. The post Roth 401k Limits — Contribution Rules, Catch-Up Amounts, and P...
Trump’s 401k order to allow alternative investments in retirement plans. Who really wins? The move boosts choice for savers but also risks. The post Trump’s New 401k Order: Does Crypto and...
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...
I was advised and I am following through with a near-complete conversion of my tax-deferred assets to a Roth IRA prior to age 72 when RMA's should begin. I mention "near-complete" because I'm leaving ...
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 ...
Your 401(k) is likely your largest retirement asset—so the decisions made about it can have a lasting impact. This episode explores the pros and cons of keeping a 401(k) versus rolling it over t...
I’m considered a long-term employee and have been with my company for over 20-years. I’ve been maximizing my HSA investment account and 401k contributions for the last 10-years and would l...
I am retiring on 7/31 and have already transferred the bulk of my 401K to a qualified IRA at Schwab. However, I still have about 1/3 of my qualified savings in my employer's 401K program and it's 100%...
To read this story on KSL.com, click here. Have you saved at least $200,000 in IRAs and 401Ks? And are you counting on this to help you pay for retirement?…...
New edition shows lower investment and recordkeeping fees driving lower total plan costs for…...
I'm 67 and retired. I'm withdrawing from one of my 401k's even though I don't need the funds to live on at the moment. I'm putting the funds into an investment account at Vanguard so my heirs will hav...
I have no 401k's, no pensions and no stock, no financial advisor. We've always done everything with our own two hands. We've worked way beyond retirement to help our kids. I f(69) and spouse m(75). My...
Current have 300k in a 401, part Roth, part regular, and a small amount in an IRA. I'll be retiring in 18 months at 67. Should I keep the money in the 401 when I retire, move it to the IRA, or do some...
For those retired in the Plains (for cost of living background) how much do you really need. Currently, 55. Owe 10 years on house. No other debts. 401k max, IRA, and too much cash in the bank. I want ...
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...
Since February 4th, I’ve been thinking about what a “FIRE Bundle” could look like....
I have 2 different 401k plans from 2 different employers. Worked at Company 1 1980 - 2015 and then retired. Worked at Company 2 2015 - 2024. Have been retired now for 1 year and not drawing from eithe...
retiring at 59+ Basically, my question is, concerning losses in the 401k, people say its only a loss if you sell. But when i go to retire, if the market is still down, is that going to be a loss? In o...
I want to retire in the next year or so (I’m turning 65 my wife turning 64 in 2025). I have a large amount of a single stock (550k) and a fair amount of 401k money (1.2 million) as well as (200k...
Unsure if it is a good move or not to start taking withdrawals from my 401k at age 60 as I am being let go from my job and unsure what kind of job I will get next. Portfolio may be at 1 million now. M...
This will be my first full year of retirement. SS, a small FERS annuity, and 401k (TSP). Since I’m not having any Fed withholding on my annuity taken out, my tax guy says I need to be making qua...
I (63, s, m)have multiple chk/savings, 401k/IRA and brokerage accounts. Done as a way to budget in addition to giving specific purpose to each account. One is a Robinhood account that I use as an emer...
Hello, My goal is to in April next year to semi-retire, mainly stop working for my current company. I want to take the 401K and my Rollover IRA and pull the money out and pay taxes upfront, and then m...
I've got 3 years until I retire at 61, I'm currently maxing out my 401k salary contributions. The monthly amount going in doesnt have much of an impact any more as the gains FAR outstrip the contribut...
I'm turning 61 soon and my 401k haa been 100% in stocks. I'm doing ok and I'm thinking in 4 years I might retire or go part time at a fun job like Home Depot. So I've been thinking and advised to star...
Here is a guide for how to find lost money -- a lost 401k or other unclaimed retirement benefits. It can be as easy as 1,2,3! The post Find Lost 401k: How to Find Out If You Have Lost or Forgotten Ret...
Let’s just get this out of the way up front. A 401k is definitely still worth it for doctors…and anyone ... Read more...
I don't know what law or regulation changed the set amount for 401k catch-up for 2025. Can anyone explain the reason the amount for catch-up is $7,500 for over 63 to 67 and $11,250 for 60-63? I turn 6...
I plan to retire in a few months - but I am not ready to notify my employer. I am considering contributing almost all of my remaining pay to my 401(k). Our pay is handled by a third party (ADP). My cu...
Discover everything you need to know about Meta's exceptional employee benefits. From competitive compensation and stock grants to generous parental leave and unique perks like the Meta Recharge progr...
You have heard your colleagues talk about this “Mega Back Door Roth” thing? Or perhaps you read about it here on FAANG FIRE and thought it was some exotic, complicated, advanced strategy. ...
I keep search I no and they say it is at AARP but cannot find it....
Green Leaf Business Solutions taps First Citizens Bank as Custodian to bring top-tier 401(k)…...