Guides

401k Contribution Limits for 2026, ExplainedHow much you can put into a 401k in 2026, how catch-up contributions work at 50 and at 60 to 63, and what the Roth catch-up rule means.3 min read · Updated 2 October 2026 401k Early Withdrawal Rules: Penalties and ExceptionsWhat happens if you take money from your 401k before 59½: the 10% penalty, tax, 20% withholding, the exceptions and cheaper options to try first.4 min read · Updated 2 October 2026 401k Loan vs Withdrawal: Which Costs Less?How a 401k loan compares with an early withdrawal, the loan limits and repayment rules, and the main risks before you borrow from your retirement savings.3 min read · Updated 2 October 2026 How a 401k Employer Match WorksWhat a 401k match is, how common match formulas work, what vesting means, and how to make sure you get all of the free money your employer offers.3 min read · Updated 2 October 2026 How Much Should You Have in Your 401k by Age?A simple guide to 401k savings goals by age, what the common benchmarks assume, and what to do if you are behind.3 min read · Updated 2 October 2026 How the New State Pension Works (UK)How much the new State Pension pays in 2026/27, how qualifying years build it up, how to check your forecast, what deferring does and when you pay tax on it.3 min read · Updated 2 October 2026 Required Minimum Distributions (RMDs) ExplainedWhat RMDs are, when they start (73 or 75), how the amount is worked out, deadlines, the penalty for missing one, and exceptions like still working.3 min read · Updated 2 October 2026 Roth Conversions: When They Make SenseHow a Roth conversion works, the tax you pay, the 5-year rule, effects on Medicare and Social Security tax, and when converting helps or hurts.3 min read · Updated 2 October 2026 Roth vs Traditional 401k: Which Is Better for You?How Roth and traditional 401k contributions are taxed, who tends to benefit from each, and how to choose or split between them.3 min read · Updated 2 October 2026 Solo 401k Guide for the Self-EmployedWho can open a solo 401k, how the employee and business parts add up to as much as $72,000 in 2026, deadlines, and the $250,000 filing rule.3 min read · Updated 2 October 2026 State Pension Age Explained (UK)How State Pension age depends on your date of birth, when it rises from 66 to 67 and 68, why the age can change, and how to find and claim yours.2 min read · Updated 2 October 2026 What Is the 4% Rule for Retirement?The 4% rule explained in plain English: where it comes from, how to use it to estimate retirement savings and income, and its limits.3 min read · Updated 2 October 2026