#401k-participation
#401k-participation

Retirement

Did Taxes on Social Security Actually Go Away? Here's the Real Story

Social Security Trust Fund to Run Dry in 2032: Just 6 Years From Now

Social Security's trust fund is projected to run out of money by 2032, necessitating benefit cuts or tax increases.

How a 401(k) Helps Your Social Security Benefits Go Further

Maximizing Social Security benefits is crucial, and a 401(k) can provide the flexibility to delay claiming for higher payouts.

Did Taxes on Social Security Actually Go Away? Here's the Real Story

Most seniors now avoid taxes on Social Security benefits due to a new deduction, but taxes still exist for higher earners.

Social Security Trust Fund to Run Dry in 2032: Just 6 Years From Now

Social Security's trust fund is projected to run out of money by 2032, necessitating benefit cuts or tax increases.

Workers Want Opportunities For Growth, Control More Than Pay Raises

Many workers prioritize well-being, control, growth, and belonging over salary increases.

Four Stocks That Can Fund a $75,000 Early Retirement on a $1 Million Portfolio

A $1 million portfolio requires a 7.5% yield to replace a $75,000 salary, achievable through specific income-focused securities.

Productivity

5 hours ago

How to Protect Payroll Accuracy and Reduce Costly Errors

Payroll accuracy relies on quality timekeeping data, which becomes complex as businesses grow.

Debt management plan vs. debt relief | Fortune

Debt management plans and debt relief programs offer strategies for managing debt, with specific benefits and drawbacks for each option.

How to get out of debt: 9 proven strategies that actually work | Fortune

Identifying the causes of debt is essential for effective elimination strategies.

9 hours ago

Debt management plan vs. debt relief | Fortune

Debt management plans and debt relief programs offer strategies for managing debt, with specific benefits and drawbacks for each option.

How to get out of debt: 9 proven strategies that actually work | Fortune

Identifying the causes of debt is essential for effective elimination strategies.

Why retirees are buying this closed-end fund yielding 8% on venture-stage tech

BlackRock Science & Technology Term Trust offers an 8.3% yield through a venture-stage technology portfolio and covered call writing strategy.

Education

Clark Howard Says Dump Your Coverdell ESA for a 529 Plan: Here's Why

The Coverdell ESA is largely considered obsolete compared to the more flexible 529 college-savings plan.

Retirees are facing a $345,000 bill they never saw coming - and most aren't prepared | Fortune

Healthcare costs in retirement can reach six figures, yet many do not adequately plan for them despite concerns.

What $3.1 Million Really Looks Like When One Spouse Wants to Travel and One Wants to Keep Working

Income architecture must align with differing retirement goals to support travel without jeopardizing long-term portfolio sustainability.

What Retirement Really Looks Like With $3.1 Million When Your Spouse Still Works

Retirement dynamics can create emotional challenges, especially when one spouse retires before the other, despite financial stability.

My wife wants us to retire at 65 to get Medicare. But I want to retire now at 62 so we can enjoy life. Who is right?

Health insurance costs significantly impact retirement decisions, especially for couples retiring before Medicare eligibility at age 65.

30% of Your Retirement Savings in One Company? Bad Idea, Says Wes Moore

Billy's retirement plan is risky due to overexposure in RSUs, which constitute 30% of his total investments.

What Happens to Your Retirement Plans If the Stock Market Drops 50%?

Market downturns can significantly impact retirement portfolios, making it crucial to plan asset allocation carefully to mitigate risks.

Healthcare

14 hours ago

Retirees are facing a $345,000 bill they never saw coming - and most aren't prepared | Fortune

Healthcare costs in retirement can reach six figures, yet many do not adequately plan for them despite concerns.

What $3.1 Million Really Looks Like When One Spouse Wants to Travel and One Wants to Keep Working

Income architecture must align with differing retirement goals to support travel without jeopardizing long-term portfolio sustainability.

What Retirement Really Looks Like With $3.1 Million When Your Spouse Still Works

Retirement dynamics can create emotional challenges, especially when one spouse retires before the other, despite financial stability.

My wife wants us to retire at 65 to get Medicare. But I want to retire now at 62 so we can enjoy life. Who is right?

Health insurance costs significantly impact retirement decisions, especially for couples retiring before Medicare eligibility at age 65.

30% of Your Retirement Savings in One Company? Bad Idea, Says Wes Moore

Billy's retirement plan is risky due to overexposure in RSUs, which constitute 30% of his total investments.

What Happens to Your Retirement Plans If the Stock Market Drops 50%?

Market downturns can significantly impact retirement portfolios, making it crucial to plan asset allocation carefully to mitigate risks.

more#retirement-planning

Wellness

fromwww.amny.com

fromInside Higher Ed | Higher Education News, Events and Jobs

Celebrating Financial Literacy Month: New York City Chase Community Manager Shares Tips for Strengthening Financial Health | amNewYork

Focus on earning, protecting, spending, and saving to improve financial health.

Higher education

When Employers Change Their Minds

Job security in various fields, including computer science, has fluctuated significantly due to economic cycles and structural shifts.

401(k) Plans Could Add Riskier Investments Under a New Rule

The Trump administration is enabling riskier alternative investments in 401(k) plans, easing regulations for plan sponsors.

Retirees With Over $800,000 in a Traditional 401(k) Are Being Warned About This Social Security Clawback

Traditional 401(k) balances can lead to significant tax implications for retirees, affecting Social Security benefits and Medicare premiums.

The 401(k) Trick That Lets Executives Contribute Up to $69,000 a Year

The mega backdoor Roth allows high earners to contribute significantly more to their 401(k) if their plan permits after-tax contributions.

I Logged Into My Old 401(k) and the Balance Was $0 - Here's What to Do When Your Retirement Savings Seem to Vanish

Custodian switches can cause 401(k) balances to appear as zero during transitions, but funds are typically not lost.

The 401(k) Mistake Costing Average Americans $200,000 at Retirement

Low default contribution rates in 401(k) plans lead to significant retirement savings shortfalls due to employee inertia.

What Happens When You Inherit a $500,000 401(k) and the 10-Year Tax Rule Most Beneficiaries Don't Know About

Inheriting a 401(k) requires mandatory distributions within 10 years, impacting tax planning significantly based on whether RMDs had started.

US politics

fromwww.nytimes.com

401(k) Plans Could Add Riskier Investments Under a New Rule

The Trump administration is enabling riskier alternative investments in 401(k) plans, easing regulations for plan sponsors.

Retirees With Over $800,000 in a Traditional 401(k) Are Being Warned About This Social Security Clawback

Traditional 401(k) balances can lead to significant tax implications for retirees, affecting Social Security benefits and Medicare premiums.

The 401(k) Trick That Lets Executives Contribute Up to $69,000 a Year

The mega backdoor Roth allows high earners to contribute significantly more to their 401(k) if their plan permits after-tax contributions.

I Logged Into My Old 401(k) and the Balance Was $0 - Here's What to Do When Your Retirement Savings Seem to Vanish

Custodian switches can cause 401(k) balances to appear as zero during transitions, but funds are typically not lost.

The 401(k) Mistake Costing Average Americans $200,000 at Retirement

Low default contribution rates in 401(k) plans lead to significant retirement savings shortfalls due to employee inertia.

What Happens When You Inherit a $500,000 401(k) and the 10-Year Tax Rule Most Beneficiaries Don't Know About

Inheriting a 401(k) requires mandatory distributions within 10 years, impacting tax planning significantly based on whether RMDs had started.

more#401k

Non-profit organizations

5 days ago

Why Nurses at Non-Profit Hospitals Are Maxing Two Retirement Accounts While Most Workers Can Only Max One

Nurses at non-profit hospitals can contribute to both a 403(b) and a 457(b), maximizing their retirement savings compared to for-profit hospital employees.

11 hours ago

The 401(k) Gap That Lets Wealthy Savers Convert $47,500 to Roth Every Year

High earners can use the Mega Backdoor Roth strategy to contribute up to $47,500 annually to tax-free Roth accounts despite income limits.

Want $6,650 in Passive Income? Invest $75,000 ($25,000 Each) Into These 3 High-Yield Dividend Stocks

Market volatility increases the appeal of high-yield dividend stocks for income-focused investors seeking reliable cash flow.

13 hours ago

These Boring Blue Chips Can Generate $48,000 a Year on $800K

Generating $48,000 annually requires capital based on yield; $1.37 million for 3.5% yield, $800,000 for 7% yield.

How Much Dividend Stock Investment Do You Actually Need to Replace Your $85K Salary in Retirement?

Replacing a salary of $85,000 in retirement with dividend stocks requires careful planning and investment in high-yield companies.

6 hours ago

Want $6,650 in Passive Income? Invest $75,000 ($25,000 Each) Into These 3 High-Yield Dividend Stocks

Market volatility increases the appeal of high-yield dividend stocks for income-focused investors seeking reliable cash flow.

13 hours ago

These Boring Blue Chips Can Generate $48,000 a Year on $800K

Generating $48,000 annually requires capital based on yield; $1.37 million for 3.5% yield, $800,000 for 7% yield.

fromInside Higher Ed | Higher Education News, Events and Jobs

How Much Dividend Stock Investment Do You Actually Need to Replace Your $85K Salary in Retirement?

Replacing a salary of $85,000 in retirement with dividend stocks requires careful planning and investment in high-yield companies.

more#dividend-stocks

Higher education

When the Employer Is the Financial Aid Office (opinion)

The One Big Beautiful Bill Act significantly reformed federal student aid, emphasizing workforce alignment and imposing new loan limits for graduate students.

Fundraising

fromFast Company

Here are the 5 most impactful financial freebies every investor should claim

Tax code offers several legal provisions that allow wealth increase and income generation without IRS taxation.

Healthcare

5 days ago

Our Favorite Passive Income Idea Pays Big Dividends and Grows Daily

Healthcare REITs present a compelling investment opportunity due to aging demographics and attractive valuations, offering reliable passive income and defensive characteristics.

12 hours ago

The $7,500 Roth Strategy Congress Couldn't Ban: How High Earners Are Sheltering Income Tax-Free in 2026

Congress attempted to eliminate powerful tax strategies for high earners, but the effort failed, preserving the Mega Backdoor Roth and backdoor Roth IRA.

6 hours ago

Why This 97-Year-Old Fund Pays 8% Without Sacrificing Safety

Adams Diversified Equity Fund has a yield of approximately 8%, generated through dividends and realized capital gains from its equity holdings.

Labor Department Proposal Could Open 401(k)s To Bitcoin And Alternative Assets

The U.S. Department of Labor proposed a rule to expand investment options in 401(k) plans, including alternative assets like crypto.

Use This New 401(k) Strategy the Way Billionaires Build Wealth

Alternative investments in 401(k) plans could increase wealth by 15%, but come with risks like higher fees and liquidity constraints.

Cryptocurrency

fromBitcoin Magazine

Labor Department Proposal Could Open 401(k)s To Bitcoin And Alternative Assets

The U.S. Department of Labor proposed a rule to expand investment options in 401(k) plans, including alternative assets like crypto.

Use This New 401(k) Strategy the Way Billionaires Build Wealth

Alternative investments in 401(k) plans could increase wealth by 15%, but come with risks like higher fees and liquidity constraints.

Why Financial Advisors Are Telling Retirees Over 65 to Stop Sitting on Home Equity

Home equity can be a vital part of retirement planning, offering options for cash-poor retirees to access funds without selling investments.

11 hours ago

Want $4,250 in Passive Income? Invest $85,000 Into These 3 High-Yield Dividend Stocks

Passive income from dividends offers liquidity and independence, making dividend portfolios essential for income-focused investors.

The $69,000 401(k) Limit Most Business Owners Don't Know They Qualify For

Self-employed individuals can contribute to a Solo 401(k) as both employee and employer, allowing for higher contribution limits than W-2 workers.

Retire on $100,000 a Year Without Ever Selling a Single Share

A $100,000 annual income in retirement requires varying capital based on yield percentage and risk tolerance.

How to Pull $55,000 a Year Out of an $850,000 Brokerage Account

An $850,000 brokerage account requires a yield of 6.5% to generate $55,000 annually, indicating moderate-to-aggressive investment strategies.

3 hours ago

Reverse mortgages should reenter retirement plans amid policy risk

Older Americans are delaying retirement and shifting investments due to increased financial uncertainty and anxiety about policy changes.

How a $500K Nest Egg Can Throw Off $31,000 in Annual Dividends

Investing $500,000 in income-generating assets can yield approximately $31,000 annually, compared to minimal returns in a savings account.

A $750,000 Portfolio That Throws Off $51,000 in Dividends

A $750,000 portfolio needs a blended yield of 6.8% to generate $51,000 annually, with varying capital requirements based on yield levels.

GAB's 11% Yield Comes With a Hidden Cost Retirees Should Know

Gabelli Equity Trust offers an 11% yield, but its distribution policy raises questions about income sustainability and reliance on return of capital.

We're 65 With $3.9 Million. Should We Give Our Adult Children Their Inheritance Now to Pay for Daycare and Buy a Home?

Gifting wealth to adult children can provide immediate financial relief, but it must not jeopardize retirement security.

Retirees Love This $578 Billion ETF, But Switching to These 2 Could Boost Income by 40%

Vanguard Total Stock Market ETF holds roughly $2.1 trillion in assets and has earned its place in millions of retirement portfolios. The appeal is straightforward: one fund, the entire U.S. equity market, a 0.03% expense ratio, and a 25-year track record.

Business

Relationships

fromPsychology Today

Our Parents Don't Have 401(k)s, They Have Children

Immigrant parents prioritized investing in their children's education and opportunities over personal retirement savings due to economic constraints and survival needs, creating an implicit expectation that the next generation would provide financial support.

Retirees Love This High-Yield Monthly Income Fund Until They See What Happens in a Bear Market

Covered call ETFs can provide income but may mask significant losses in account value, leading to a negative total return for retirees.

fromIndependent

Retirement

Your money questions - Is it correct to argue that putting our cash into AVCs is a waste of money?

fromSilicon Canals

Retirement

What no one tells you about a working-class retirement - Silicon Canals

Retirees Love This High-Yield Monthly Income Fund Until They See What Happens in a Bear Market

Covered call ETFs can provide income but may mask significant losses in account value, leading to a negative total return for retirees.

fromIndependent

Your money questions - Is it correct to argue that putting our cash into AVCs is a waste of money?

Retired HSE employees express concerns about high taxation during retirement.

fromSilicon Canals

What no one tells you about a working-class retirement - Silicon Canals

Retirement can lead to unexpected physical and identity challenges for those who defined themselves by their work.

The Medicare Surcharge That Could Cost a High-Earning Couple More Than $10,000 a Year in Retirement

Higher earners face significantly increased Medicare premiums due to IRMAA, based on income from two years prior, not current earnings.

Why Dave Ramsey Says You'll Never Build Wealth While Making Car Payments

High car payments can significantly hinder wealth accumulation and financial stability.

Why Ophthalmologists and Other High-Earning Specialists Are Combining Two Plans to Shelter Over $100,000 a Year

Self-employed individuals can shelter over $150,000 from federal taxes using a Solo 401(k) and a defined benefit pension plan.

How Much Do You Really Need Invested To Replace A $60k Salary With Dividends? New PF Investment Income Series

Replacing a $60,000 salary with dividend income requires significant capital, influenced by the yield and associated risks of different investment strategies.

How Much Do You Really Need Invested to Replace a $60K Salary With Dividends?

Replacing a $60,000 salary with dividend income requires significant capital, influenced by the yield and associated risks.

How Much Do You Really Need Invested To Replace A $60k Salary With Dividends? New PF Investment Income Series

Replacing a $60,000 salary with dividend income requires significant capital, influenced by the yield and associated risks of different investment strategies.

How Much Do You Really Need Invested to Replace a $60K Salary With Dividends?

Replacing a $60,000 salary with dividend income requires significant capital, influenced by the yield and associated risks.

The A Basic Habit Doubles Retirement Savings, Yet 80% of Americans Skip It

Americans' savings rate dropped to 4.2% in Q3 2025, the lowest in nearly two years, costing households hundreds of thousands in lifetime wealth through lost compound growth.

America is not ready for its own longevity crisis - and 2026 is the wake-up call | Fortune

Americans need better planning for healthy and secure aging as longevity increases, with a focus on finances, health, housing, and community support.

As retirement slips further away, workers prioritize stability and senior home equity

Workers prioritize job security over new opportunities, with many delaying retirement due to rising living costs and health care expenses.

5 days ago

What Retirement Really Looks Like Earning $500,000 a Year With Only $200,000 Saved

High earners often face lifestyle inflation, leading to inadequate savings despite substantial incomes, creating a significant retirement gap.

fromwww.nytimes.com

Opinion | The Fantasy of a Comfy Retirement Has Always Been a Mirage

Rising living costs and government support cuts are causing despair among older and younger Americans regarding their financial futures.

fromPsychology Today

6 days ago

Has Gen X Retirement Been Rewritten?

AI and job uncertainty are reshaping Gen X retirement plans and parental roles.

Retirees Are Choosing These Monthly Income ETFs Over High-Yield Savings Accounts

High-yield savings accounts (HYSAs) are insured by the Federal Deposit Insurance Corporation or the National Credit Union Administration up to $250,000, per depositor, per insured institution.

Retirement

The 401(k) Move Executives Make Every December to Shield Their Bonus From Taxes

Most employer 401(k) plans allow mid-year changes to the deferral election percentage. Before the bonus pay period, raise the deferral rate high enough to funnel as much of the bonus as possible into the 401(k), up to the annual limit.

Retirement

Proposal would ease path for riskier 401(k) investments

U.S. Secretary of Labor Lori Chavez-DeRemer stated that the proposed rule aims to fulfill President Trump's promise for a new golden age by fostering a retirement system that allows more Americans to retire with dignity.

Retirement

fromnews.bitcoin.com

US Labor Department Moves to Allow Crypto in Retirement Plans

The U.S. is proposing to allow cryptocurrencies and private market assets in retirement accounts, aiming to diversify investment options.

Why Financial Advisors Tell High Earners Over $400K to Stop Maxing Their 401(k)

High earners may benefit from strategies that reduce taxable income in retirement rather than traditional tax-deferment methods.

The Smartest 401(k) Move You Can Make in Your 40s

Roth contributions in your 40s can be financially advantageous before tax rates increase with income.

Why Experts Say to Stop Checking Your 401(k) Balance Right Now

Frequent portfolio checking can lead to poor investment decisions due to myopic loss aversion, resulting in significant performance gaps compared to market returns.

Our retirement system gets a C-plus; policymakers have an opportunity to make it A grade | Fortune

Reform is urgently needed in the U.S. retirement system to ensure adequate income for retirees amidst changing economic conditions.

3 weeks ago

The 401(k) Mistake Costing Average Americans $200,000 at Retirement

Doubling retirement contributions from 3% to 6% significantly increases savings due to employer matching and compounding effects.

Why Workers Are Draining Their 401(k)s at Record Rates

Hardship 401(k) withdrawals reached record highs of 6% in 2025 despite booming markets and record account balances, driven primarily by housing and healthcare costs.

Trump's new 401(k) match collides with a harsh reality: More workers are dipping into their retirement cash just to get by | Fortune

Trump's proposed 401(k) federal match program overlooks that many Americans lack $1,000 to invest while record numbers withdraw from retirement accounts to survive.