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Is a 401k Worth It? A 2026 Balanced Look at the Tradeoffs
By Craig Wear, CFP® | Last reviewed: September 2026 Is a 401k worth it? For most workers who receive an employer match, a 401k usually […]
How Does a Roth IRA Grow? Compounding and Tax-Free Growth
A Roth IRA grows two ways: your contributions and the tax-free compounding of the investments inside it, since qualified earnings are never taxed. Over decades, […]
Can You Contribute to a Roth IRA in Retirement?
You can contribute to a Roth IRA in retirement whenever you or a working spouse have earned income, with no age limit and a 2026 […]
Does a Roth IRA Reduce Your Taxable Income?
A Roth IRA does not reduce your taxable income the year you contribute, because contributions use after-tax dollars, are never deductible, and do not change […]
How Much Should I Contribute to My Roth IRA in 2026?
The 2026 Roth IRA contribution limit is $7,500, or $8,600 if you are age 50 or older, and your right amount is whatever fits after […]
What Happens If You Over-Contribute to a Roth IRA?
Over-contributing to a Roth IRA triggers a 6% excise tax on the excess for every year it stays in the account until you correct it. […]
Types of Retirement Income: The Full List and How Each Is Taxed
The main types of retirement income are Social Security, pensions, Traditional 401(k) and IRA withdrawals, Roth withdrawals, annuities, taxable brokerage income, part-time work, and rental […]
How to Choose Your 401(k) Investments in 2026
Choosing 401(k) investments follows a repeatable five-step framework: capture the full employer match, read the fund menu, pick a target-date fund or index mix, set […]
Do RMDs Ever Stop? What Happens After They Begin
RMDs do not stop during your lifetime; once required minimum distributions begin on a traditional IRA or 401(k), you take one every year for life. […]
Spousal Roth IRA: Retirement Savings for a Non-Working Spouse
A spousal Roth IRA is a standard Roth IRA owned by a non-working or lower-earning spouse and funded from the other spouse’s joint earned income, […]