Topic
How workplace retirement plans work: contributions, matches, vesting, loans and limits.
6 articles
401(k) & workplace plans
The 2026 and 2027 401(k) limits from the IRS: employee deferrals, age 50 and age 60-63 catch-ups, the overall cap, and the Roth catch-up rule for higher earners.
4 min read
401(k) & workplace plans
How borrowing from a 401(k) works: the legal limits, repayment rules, what happens if you leave the job, and the less obvious costs of taking a loan.
4 min read
401(k) & workplace plans
A plain-English walk through a 401(k): how money gets in, how it is taxed, who chooses the investments, and the basic rules on taking money out.
5 min read
401(k) & workplace plans
How 401(k) matching formulas work, with worked examples, plus how vesting, pay-period timing and annual limits can affect the amount actually received.
4 min read
401(k) & workplace plans
How traditional and Roth 401(k) contributions differ: when tax is paid, what counts as a qualified Roth withdrawal, and the factors people weigh in choosing.
4 min read
401(k) & workplace plans
What vesting means in a 401(k), how cliff and graded schedules work, how a year of service is counted, and what happens to unvested money when a job ends.
4 min read