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Guides

401k

Employer plan basics, contribution strategy, match logic, and the core decisions inside workplace retirement accounts.

3 guides

6 min read · FreeRetirement Savings Behind in Your 40s? What to Do FirstFeeling behind on retirement at 40-something? Measure where you stand, then focus on the match, a higher savings rate, debt, costs and timing. 7 min read · Free401(k) or Roth IRA Next? How to Choose After the MatchAlready getting your full match? Compare a bigger 401(k) contribution with a Roth IRA on fees, room, taxes and flexibility to place your next dollar. 6 min read · Free401(k) Match: Why to Contribute Enough to Get ItHow an employer 401(k) match works, why capturing all of it is usually the first retirement move, and what vesting and cash needs can change.

A workplace 401(k) is where many people do most of their retirement saving, so small decisions about contributions, the employer match and Roth versus traditional treatment add up over decades. The guides here walk through those choices in order of priority, including what to do when retirement feels underfunded. They are written for employees deciding what to do with the next dollar they save.

Where to start

When you want to save beyond the plan, the IRA guides are the natural next step.