401k articles
8 articles on 401k.
- Roth vs Pre-Tax 401k: Which Is Better for You in 2026?A direct comparison of Roth and pre-tax 401k contributions for 2026. When each one wins, the actual tax math, FAQs, and the IRS rules behind it. · 8 min read
- Your 401k Doesn't Support Mega Backdoor Roth? Here's What to Do InsteadIf your employer's 401k plan doesn't offer after-tax contributions or in-plan Roth conversions, here are the best alternative strategies: Roth 401k, backdoor Roth IRA, Solo 401k, HSA, and more. · 7 min read
- How Much Should I Contribute to My 401k in 2026?A practical guide to choosing the right 401k contribution rate. Covers 2026 IRS limits, employer match, income-based scenarios, tax savings, and a step-by-step decision framework. · 6 min read
- 401k Contribution Strategy When Changing Jobs Mid-YearSwitching jobs mid-year? Learn how the $24,500 elective deferral limit is shared across employers, how 415(c) limits work per employer, rollover options, vesting schedules, and how to optimize your contributions at your new job. · 7 min read
- How to Avoid Losing Your 401k Employer Match When Front-LoadingFront-loading your 401k can cost you thousands in lost employer match. Learn how per-paycheck match works, what a true-up provision is, and how to pace contributions correctly. · 5 min read
- 401k Fund Types Explained: Index Funds, Target-Date Funds, ETFs, and MoreA beginner-friendly guide to the types of investments available in your 401k - index funds, target-date funds, mutual funds, ETFs, and company stock. How they work, what they cost, and how to choose. · 6 min read
- Pre-Tax vs Roth vs After-Tax 401k: All Three Compared (2026)A plain-English guide to all three types of 401k contributions: pre-tax, Roth, and after-tax. How each one works, when to use it, and how they interact with employer match. · 6 min read
- The Mega Backdoor Roth: A Complete Guide for 2026How to contribute up to $72,000 to your 401k using after-tax contributions and in-plan Roth conversions. Includes 2026 IRS limits, step-by-step execution, and common pitfalls. · 4 min read