Category: 401(k) & IRA

The year in a target-date fund’s name is your expected retirement date, and it drives how the fund invests. What the label promises, and what it doesn’t.

A spouse without wages can still fund an IRA using the working spouse’s income. The 2026 limits, the joint-filing rule, and how the deduction phases out.

A 401(k) loan looks cheap because the interest goes to you. The real costs are missed growth, repayment rules, and what happens if you leave your job.

Roth IRAs have two different five-year clocks, one for earnings and one for conversions. How each works, when they start, and the ordering rules that help.

Take a 401(k) rollover as a check and 20 percent vanishes to withholding, with 60 days to make it whole. How a direct rollover avoids the whole trap.