RetirementGuide
What's the Right Order to Save for Retirement? 401(k), Roth IRA, and HSA
A dollar-by-dollar priority ladder for retirement saving: capture the 401(k) match, kill high-rate debt, then HSA, Roth IRA, and max the 401(k).
Retirement
401(k)s, IRAs, and how much you really need to retire.
Retirement
How to Find an Old 401(k) From a Previous Employer (Free Government Tools)
A step-by-step, jargon-free checklist for finding a lost 401(k) using free government databases like the DOL Form 5500 search, PBGC, and state unclaimed funds.
Retirement
Can You Contribute to Both a 401(k) and a Roth IRA in the Same Year?
Yes—a 401(k) and a Roth IRA have separate limits, so you can fund both in one year. The real catch is the Roth IRA income phase-out.
Retirement
Roth vs. Traditional IRA in Your 20s: Why a Low Tax Bracket Changes the Math
In your 20s, a low tax bracket usually tips the IRA math toward a Roth. Here's the simple rule, a worked example, and when Traditional still wins.
Retirement
Do You Pay Taxes When You Roll Over a 401(k) to an IRA?
A direct 401(k)-to-IRA rollover is tax-free; the trap is the indirect route, where 20% gets withheld and a missed 60-day deadline triggers a tax bill.
Retirement
What Happens to Your 401(k) Match If You Leave Before You're Vested?
Your own 401(k) contributions are always yours, but an unvested employer match can be clawed back when you quit. Here's how to read your schedule and do the math.
RetirementGuide
How Does a 401(k) Employer Match Work? A Beginner's Guide With Examples
A plain-English guide to how a 401(k) employer match works, with paycheck math so you capture every dollar of free retirement money.