Retirement Accounts
11 articles in Retirement Accounts
401(k): How It Works, Contribution Limits, and How to Maximize It
How a 401(k) works: 2026 contribution limits ($24,500), employer matching, Roth vs. traditional, and strategies to maximize savings.
IRA: Types, Limits, and How to Open One
Learn what an IRA is, how Traditional and Roth IRAs work, 2026 contribution limits ($7,500), tax deduction rules, and how to open one at Fidelity or Vanguard.
Roth IRA Income Limits: Current Thresholds and How to Get Around Them
2026 Roth IRA income limits: $153K-$168K singles, $242K-$252K married. Phase-out math, backdoor Roth strategy, and common mistakes.
SEP IRA: The Retirement Account Built for the Self-Employed
Learn how a SEP IRA works for self-employed individuals: 2026 limits ($72,000), the 25% vs. 20% rule, deadlines, and how it compares to a Solo 401(k).
SIMPLE IRA: How It Works for Small Business Owners and Employees
How a SIMPLE IRA works: 2026 limits ($17,000), mandatory employer match, the 25% penalty rule, and comparison to 401(k).
Left Your Job? How to Roll Over Your 401(k) Without Costly Mistakes
Learn how to roll over your 401(k) after leaving a job: direct vs. indirect rollover, tax traps, the 20% withholding rule, and step-by-step instructions.
IRA Rollover: Rules, Tax Traps, and How to Do It Right
IRA rollover rules: direct vs. indirect transfers, the 60-day deadline, one-per-year rule, and how to convert to Roth without surprises.
401(k) Contribution Limits: How Much Can You Save This Year?
2026 401(k) contribution limits: $24,500 employee limit, $8,000 catch-up (50+), $11,250 super catch-up (60-63), and $72,000 total. Every limit explained.
IRA Contribution Limits: Maximums, Catch-Up Rules, and Key Deadlines
2026 IRA contribution limits: $7,500 standard, $8,600 with catch-up (50+). Covers Roth and Traditional limits, spousal IRA rules, and the April 15 deadline.
Roth IRA: Tax-Free Growth, Rules, and Why It's a Favorite
Learn how a Roth IRA works: tax-free growth, 2026 contribution limits ($7,500), income limits, the five-year rule, backdoor Roth strategy, and withdrawal rules.
11 min read
Traditional IRA Rules: Contributions and Withdrawal Basics
Traditional IRA rules explained: 2025-2026 contribution limits, deductibility phaseouts, withdrawal penalties, and RMDs. Real examples with real numbers.