High earners have to pay tax on their catch-up 401(k) contributions and deposit them into workplace Roth accounts.

If you have access to a 401(k) plan through your job, you have a prime opportunity to build retirement savings. But it's ...

Each type has its advantages and drawbacks. You might prefer a traditional 401 (k) if you're in a high tax bracket now and you expect your expenses to drop significantly in retirement. But if you ...

Roth IRAs are popular for tax benefits in retirement. Consider Vanguard's 'BETR' approach, other factors to see if a Roth conversion's right for you.

Though you lose an up-front tax break, you gain much, much more.

Although employers have been allowed since 2024 to offer two new emergency savings options tied to 401(k)s, few have done so.

In my 30-plus years reporting and publishing financial journalism, I've observed one major piece of advice on which personal ...

Beginning January 1, 2026, certain higher‑earning employees who make catch‑up contributions to employer‑sponsored retirement ...

Everyone's finances have wrinkles. Debt with very high interest (credit cards with fees of 15-25%) may simply reduce savings at a faster rate than investments increase. Settlement of a high-interest ...

Responding to a call from a financial advisor in Pennsylvania, the ERISA consultants at the Retirement Learning Center (RLC) address how the rules requiring mandatory Roth 401(k) catch-up ...

Legacy planning also shifts the calculus. Roth IRAs don't have Required Minimum Distributions during your lifetime, and heirs generally receive distributions free of income tax, though they must empty ...