The contribution and income limits for workplace retirement plans, Traditional and Roth IRA, FSA, and HSA will go up in 2025 to adjust for inflation.
The Case Against Roth 401(k): Still True After All These Years
Most people are better off contributing to a traditional 401k, not a Roth 401k. Here’s why.
401k vs Pension: How To Get As Much From a 401k As a Pension
Next time you hear “people used to have a pension,” think “people used to save 15-20% of their pay.” Nothing stops you from doing so today, unless you don’t want to.
Can 401k and IRA Contribution Limits Go Down If We Have Deflation?
401k and IRA contribution limits are adjusted for both inflation and deflation. If we have bad enough deflation, the limits can go lower.
Who’s Leaving 401k Match On the Table?
While everyone says get the 401k match, lower income employees end up losing out in a system against them.
401(a) Plan Contribution Limit
A 401(a) plan allows additional contributions on top of 401(k), 403(b), and 457 plans.
Fast and Easy Rollover From Schwab 401k to Fidelity IRA
Charles Schwab and Fidelity made it really fast and easy to rollover a 401k to an IRA. The whole process completed in only two days.
401k Match Policies: Every Payroll and True-Up
If your employer has an outdated 401k match policy you will have to do extra work. Employers current with the best practice give a true-up match every payroll.
Receive EITC, Contribute to Traditional 401k Not Roth 401k
If you receive EITC or the ACA subsidy, you should contribute to the Traditional 401k, not to the Roth 401k.
Roth 401k Makes People Have More Money To Spend In Retirement
Roth 401k makes it easy for people to fool themselves into contributing more.
My Smartest Financial Decision
My smartest financial decision years ago created foundation for my financial security today. What was yours?
What If You Invest In Actively Managed Funds?
Investing in actively managed funds can get you to the same place as investing in index funds. Investing to begin with and a sound asset allocation are more important.