Tag: 401k
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The Hidden Risks of Set It and Forget It Investing
Automated investing is widely praised, but going fully hands-off creates blind spots most investors only notice when something has already broken.
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Retirement accounts lock up your money too much
401(k)s and IRAs offer real tax benefits, but the trade-off is access. For some savers, the lockup costs more than the deduction is worth.
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Why your 401(k) might not be enough
The 401(k) was designed as a supplement, not a complete retirement plan. Here’s why typical contributions fall short and what to add alongside it.
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401(k)s are a tax shelter dressed up as a retirement plan
The 401(k) wasn’t designed as the centerpiece of American retirement. It’s a tax loophole that grew into one because the alternatives got dismantled around it.
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Maxing your 401(k) before 35 is bad advice for most people
Maxing out your 401(k) early gets celebrated everywhere. Here’s why locking up cash before 35 hurts most people and what to prioritize first.
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Mega backdoor Roths are how tech workers quietly out-saved everyone
The mega backdoor Roth lets workers shelter $40K+ extra per year in tax-advantaged accounts. Tech workers found it; most other employees never hear about it.