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Retirement & Savings
12 guides in Retirement & Savings.
Ages 60–63: The Four-Year Window Where the IRS Lets You Contribute $11,250 More to Retirement
If you're 60–63 in 2026, SECURE 2.0 lets you contribute $11,250 extra to your 401(k) — 50% more than the standard catch-up. At 64, it drops back.
Retirement & SavingsThe Retirement Account Most High-Earning Business Owners Have Never Heard Of
A cash balance plan lets you shelter $100,000–$300,000 of business income per year. Most owners stop at the 401(k) and leave it there.
Retirement & SavingsInherited an IRA? The 10-Year Rule Has a Catch Most People Miss
If you inherited a traditional IRA and the original owner had already started RMDs, you must take annual distributions too — not just empty it by year 10.
Retirement & Savings529 vs. Trump Account: Which Should You Open for Your Kid?
529 or Trump Account for your child? One saves for school tax-free, the other is a locked retirement head start. Here's how the 2026 rules compare.
Retirement & SavingsThe HSA Is the Most Underused Account a Self-Employed Owner Has
An HSA hands a self-employed owner a triple tax break: deduct going in, grow tax-free, withdraw tax-free for medical. 2026 caps: $4,400 and $8,750.
Retirement & SavingsThe Roth Conversion Window: Filling the Bracket Before RMDs Start
A multi-year Roth conversion can drain a pre-tax 401(k) before RMDs hit — if you fill the right bracket and pay the tax from outside the account.
Retirement & SavingsRoth IRA vs. Traditional IRA: Which Tax Break Actually Wins?
Roth or Traditional IRA? The choice is a bet on your tax rate now vs. later. Here's how the 2026 limits, deductions, and income rules really break down.
Retirement & SavingsSEP-IRA vs. SIMPLE IRA: Which Plan Fits a Business With Employees?
Once you have staff, the SEP-vs-SIMPLE choice is about who funds the plan and how much flexibility you keep. Here's how the 2026 rules compare.
Retirement & SavingsSEP-IRA vs. Solo 401(k): Which One Shelters More of Your Self-Employment Income?
SEP-IRA or Solo 401(k)? For a one-person business the solo 401(k) usually wins at lower income. Here's how the 2026 math and paperwork really compare.
Retirement & SavingsTrump Accounts: The $1,000 Head Start for Kids — and How to Claim It
Trump Accounts give kids a $1,000 federal seed and decades of tax-deferred growth. Here's who qualifies, how the 2026 rules work, and how to register.
Retirement & SavingsThe Four Doors Into a Roth (and the Tripwire on Each)
Roth IRA, Roth 401(k), backdoor, and mega backdoor — four ways to build tax-free money in 2026, and the tripwire that catches people on each one.
Retirement & SavingsA Solo 401(k) Can Shelter Up to $72,000 of Your 2026 Business Income — Here's the Math
Self-employed with no employees? A Solo 401(k) lets you stash up to $72,000 in 2026 and cut your tax bill. Limits, deadlines, and the new Roth rule.