Retirement
401(k), 403(b), IRA, pension and early-retirement planning.
- Retirement
Can I Retire at 50? The Savings You Need and the Bridge to 59½
Every calculator asks whether the pot is big enough. None ask whether you can reach it, and 401(k) money is locked until 59 and a half. Work out both, including the bridge those years need.
Sep 4, 2026 - Retirement
Die With Zero: Why Saving It All for Later Wastes Some of It
Bill Perkins argues that money you die holding was earned for nothing, and that some spending has an expiry date your body sets. The ideas worth taking, and the four places the book falls short.
Aug 30, 2026 - Retirement
Roth 401(k) Five-Year Rule: What Rolling to a Roth IRA Does to the Clock
A Roth 401(k) and a Roth IRA keep separate five-year clocks, and the plan’s does not travel with the money. Whether that costs you years turns on one question, and the fix costs $100 if you make it early enough.
Aug 27, 2026 - Retirement
Solo 401(k) or SEP IRA: Which Shelters More Side Income?
Both cap at $72,000 for 2026 and they fill up completely differently. On modest side income the Solo 401(k) shelters several times more, unless your day job has already used your deferral, which reverses the answer.
Jul 22, 2026 - Retirement
What Happens to Your 401(k) If Your Company Goes Bankrupt or Is Acquired?
Your balance sits in a trust creditors cannot reach. What is genuinely at risk is unvested employer match, and a layoff round may have made it 100% yours already.
Jul 9, 2026 - Retirement
401(k) True-Up: Are You Losing Employer Match by Maxing Out Early?
If your plan matches per paycheck and has no true-up, filling your contribution limit early costs you employer match. Work out what it costs you, and the contribution rate that avoids it.
Jun 18, 2026 - Retirement
What is Custodial Roth IRA ? Transform Your Child's Financial Future
Ever heard of the term 'Custodial Roth IRA' and wondered what it is all about? In simple terms, a Custodial Roth IRA is a type of Individual Retirement Account (IRA) that is set up for
Jul 7, 2023 - Retirement
What is Backdoor Roth IRA ?
Much like a secret passageway in a spy movie, a Backdoor Roth IRA allows individuals to circumvent income limitations for a Roth IRA. It's a legal and intriguing way to maximize tax-free growth and withdrawal
Jul 7, 2023 - Retirement
What is CalPERS: Comprehensive Guide to Retirement
CalPERS, the California Public Employees' Retirement System, is a name you've likely come across, especially if you're a public servant in the Golden State. Known as the largest public pension fund in the U.S., it
Jun 17, 2023 - Retirement
Excess 401k Contributions: Tips for Optimizing Your Retirement Plan
As retirement planning becomes increasingly important in today's uncertain financial landscape, maximizing the potential of your 401(k) over contributions can significantly impact your future financial security. However, navigating the complexities of excess 401k contributions can
Jun 16, 2023
