Plain-English retirement guides
Retirement Saving Guides
Short, practical explainers on 401(k)s, IRAs, Roth accounts and the rules that shape them - each one pairs with a calculator so you can put it into numbers.
How Much Should I Contribute to My 401(k)?A simple framework: capture the match, then build toward 15% - and what to do if you can't get there yet.GuideTraditional vs Roth: Which Is Better for You?The decision comes down to one question: will your tax rate be higher now or in retirement?Guide2026 Contribution Limits, ExplainedDeferral, catch-up, super catch-up and the 415(c) total - what each limit means and who it applies to.GuideWhat Is the Rule of 55?How to tap a 401(k) penalty-free before 59 1/2 if you leave your job at the right time.GuideThe Backdoor Roth IRA, ExplainedHow high earners legally contribute to a Roth IRA even above the income limits.GuideSECURE 2.0: The Changes That Affect YouHigher RMD ages, a super catch-up for ages 60-63, and the new Roth catch-up rule for high earners.GuideWhere to Save First: The Retirement Account Priority OrderA clear, step-by-step funnel for every spare dollar - so you never waste a tax break or leave free money behind.GuideHow to Become a 401(k) MillionaireThe surprisingly boring math behind a seven-figure 401(k) - and the handful of habits that get you there.GuideSocial Security vs 401(k): How They Really Work TogetherThey're not an either/or choice. Here's exactly what each one gives you, the real numbers, and how to combine them into a secure retirement.Guide