Beginner articles
6 articles on Beginner.
- The Free $1,000 for Your Kid: Who Qualifies and How to Claim ItThe $1,000 the government deposits for babies born 2025-2028 is real, but it is not automatic. Who qualifies, the deadline, the step-by-step claim on Form 4547, the extra $250 programs, and how to spot the scams. · 11 min read
- What Is a Trump Account? How the New $1,000 Baby Accounts Actually WorkTrump Accounts launched July 4, 2026. What they are (a traditional IRA for kids), who qualifies for the free $1,000, how to open one, the contribution rules, and how the taxes actually work - with IRS and Treasury sources. · 11 min read
- 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
- 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 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