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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
How does a Roth IRA grow? A Roth IRA grows in two ways: the money you put in (your contributions) and, over time far more, […]
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?
Does a Roth IRA reduce your taxable income? For the year you contribute, the answer is no. Roth IRA contributions are made with after-tax dollars, […]
How Much Should I Contribute to My Roth IRA in 2026?
Deciding how much to contribute to your Roth IRA in 2026 comes down to three questions: what the IRS lets you put in, what your […]
What Happens If You Over-Contribute to a Roth IRA?
If you over contribute to a Roth IRA, the IRS charges a 6% excise tax on the excess amount for every year it stays in […]
Types of Retirement Income: The Full List and How Each Is Taxed
The main types of retirement income fall into eight sources that most retirees draw from: Social Security, pensions, Traditional 401(k) and IRA withdrawals, Roth withdrawals, […]
How to Choose Your 401(k) Investments in 2026
Learning how to choose 401(k) investments comes down to a repeatable framework you can apply at your plan’s fund-selection screen today: capture your full employer […]
Do RMDs Ever Stop? What Happens After They Begin
Do RMDs ever stop? For a traditional IRA or 401(k), the honest answer is no: once required minimum distributions begin, they continue every year for […]
Spousal Roth IRA: Retirement Savings for a Non-Working Spouse
A spousal Roth IRA lets a working spouse fund a Roth IRA for a non-working or low-earning spouse using the couple’s joint earned income. It […]