Tag: 401k

401k Math: What You're Actually Saving

Maxing your 401k doesn't cost $23,500. At a 35% tax rate it costs $15,275. Here's the math, the 2026 limits, and how to stop leaving money on the table.

Mega Backdoor Roth Explained

The mega backdoor Roth lets you funnel up to $46,500 extra into a Roth account per year. Most plans don't support it. Yours might. Here's the full mechanics.

The HSA Triple Tax Advantage

Your HSA is the only account with three tax advantages. Here's how to turn it into a stealth IRA — and the math that makes it worth maxing every single year.