Americans Over Nothing Saved? Catch-Up Math for 55
New 2026 catch-up rules expand 401(k) limits, but the challenge remains for americans over nothing saved as millions ...
401(k)
The 401(k) is a crucial retirement savings tool that allows individuals to invest for their future. Understanding its benefits and strategies can significantly impact your financial security.
128 articlesAverage 401(k) $148K. Median Gap Remains a Retirement Riddle
Vanguard’s latest How America Saves data show a stark split: the average 401K balance is $148,153 while the median is...
High Earners Lose $1,900: HSA Strategy Replaces It
New SECURE 2.0 rules force high earners lose $1,900 in pretax 401(k) benefits. HSAs are gaining traction as a tax-eff...
Retired with $1.2 Million: A 55-Year-Old 401(K) Lesson
A 55-year-old walks away with $1.2 million in his 401(K) only to risk losing access to the money before 59½ after a r...
Gray Divorce: Roth Often Outperforms 401(K) in Asset Splits
As gray divorce cases rise, financial planners warn a simple 50/50 split of retirement accounts often undercuts long-...
Most Workers Could Save More: 401(K) Gap Narrows Significantly
A new study shows the typical worker saves far less than the annual 401(K) shelter limit, highlighting a persistent g...
What with Your 401(K) If Retirement Is Three Years Away
With three years to go before retirement, smart moves in your 401(K) can secure your financial future. This guide off...
Dave Ramsey Says Early 401(K) Withdrawals Cost Too Much
Dave Ramsey renews warnings against raiding retirement savings to pay debt. This report explains the costs and lays o...
Average Saver Hits $100,000 Milestone at 43
A new Fidelity analysis finds that most 401(k) savers reach the $100,000 mark in their early 40s. The article explain...
The $23,000 Limit, $4,945 Reality: Workers Leave $18K Behind
A fresh look at retirement saving shows the typical worker saves far less than the official 401(k) limit, creating a ...
The 401(k) Match Trap: Skipping Could Cost You $266K
A new study shows that skipping a 3% employer match in a 401K plan can cost the typical worker roughly $266,000 in re...
Gen X 401(k) Trap: He’s Retiring Without Pension Risk
A 61-year-old Gen X saver faces a looming tax bill as his untouched 401K could trigger sizable RMDs at age 75, potent...