401k

Pre-tax or Roth 401(k)? The decision is driven by your tax bracket now versus in retirement — but two SECURE 2.0 changes make the Roth more attractive in 2026 than ever before.

SECURE 2.0 created a supercharged catch-up contribution window for workers aged 60 to 63. In 2026, this four-year window lets you contribute up to $35,250 to your 401(k). Here is how to use it.

The solo 401(k) lets self-employed workers save up to $69,000 per year. Here is how it works and why it beats a SEP IRA for most.

At 59½, the 10% penalty disappears. But you still owe income tax on every dollar you withdraw. Here is how to do it smart.

A 401(k) hardship withdrawal can help in emergencies, but the 10% penalty and taxes make it expensive. Know your alternatives.