Auto-escalation raises the deferral rate one point a year and most participants never revisit the setting

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The IRA limit is per person so a spouse with no earned income needs a spousal IRA to contribute at all Changing jobs mid-year can leave you running two 401(k) accounts and paying two sets of recordkeeping fees A retirement plan that never gets stress tested is a guess with a spreadsheet A traditional IRA deduction phases out once you have a workplace plan and cross the income threshold Plan fees are two separate numbers: recordkeeping charges taken from the account and the expense ratios inside each fund A solo 401(k) stacks employee deferrals and employer profit sharing on the same self-employment income Saving for retirement while paying off a mortgage: which one first? A 401(k) loan is repaid with after-tax dollars into an account that will be taxed again on withdrawal A plan menu stays short because the sponsor owes a fiduciary duty of prudence and not because choice is worthless A savings target built from your spending beats one built from your salary