Retirement
The HSA: The Best Retirement Account You're Not Using
The Health Savings Account is the only account in the US tax code with a triple tax advantage: deductible going in, tax-…
Retirement
8 articles in this topic.
Retirement
Mega Backdoor Roth: The $70,000 Loophole High Earners Miss
If your 401(k) plan allows after-tax contributions and in-plan Roth conversions, you can legally move up to $46,500 of e…
Retirement
Backdoor Roth IRA: The Legal Workaround for High Earners
Earn too much to contribute directly to a Roth IRA? The Backdoor Roth lets you put $7,000 a year into Roth anyway, legal…
Retirement
Roth Conversion Ladder: How Early Retirees Tap 401(k) Money
Early retirees face a 10% penalty on Traditional 401(k) withdrawals before age 59.5. The Roth conversion ladder is the F…
Retirement
Solo 401(k) vs SEP IRA: Which Is Better for Self-Employed?
Self-employed retirement accounts come down to two real choices: Solo 401(k) and SEP IRA. They have the same $70,000 cap…
Retirement
Social Security at 62 vs 67 vs 70: The Break-Even Math
Claim at 62 and you lock in roughly 70 percent of your full benefit for life. Wait until 70 and you collect 124 percent…
Retirement
Annuities: When They Actually Make Sense (and When They Don't)
Annuities have a bad reputation because the worst ones are sold hardest and the good ones are barely marketed. A single…
Retirement
How to Read Your 401(k) Fee Statement (and What to Demand)
An extra 0.5% in 401(k) fees does not sound like much. Compounded over 35 years on a growing balance, it costs roughly $…
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