Retirement Accounts
The tax-advantaged accounts that do the heavy lifting: 401(k)s, IRAs, employer matches, and rollovers. Learn the mechanics and the math.
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Articles
Roth IRA Income Limits: The 2026 Math
how do roth ira income limits work in 2026? Full $7,500 under $153K single or $242K joint, phased to $168K/$252K — MAGI, phase-out math, and backdoor options.
Retirement Accounts401(k) Vesting: What You Keep
How does 401k vesting work if I leave my job? Your own money is always yours; the employer match may not be. Cliff vs graded schedules, explained simply.
Retirement AccountsHow to Open a Roth IRA Step by Step
How to open a Roth IRA step by step: pick a brokerage, fund it, choose low-cost investments, and understand the 2026 limits and income rules. Sourced.
Retirement Accounts401(k) or Brokerage: Max Out First?
Should I max out my 401k or invest in a brokerage account? The priority math: match first, then Roth, then 401(k) vs taxable, with 2026 numbers sourced.
Retirement AccountsTraditional vs Roth IRA: Which Is Better?
Traditional IRA vs Roth IRA which is better for me? Compare tax now vs later with 2026 limits, deduction ranges, and plain-English math — every number sourced.
Retirement AccountsYour 401(k) When You Change Jobs
What happens to my 401k when I change jobs? Your 4 options: leave it, roll it over, cash out, or transfer — with the rollover deadlines and tax traps of each.
Retirement AccountsTarget Date Funds: Are They Right for You?
What is a target date fund and is it right for me? One fund that rebalances itself as you age — the 2026 fees, the glide path, and when to DIY. Sourced.