『Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future』のカバーアート

Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future

Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future

著者： Fexingo
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Lucas and Luna sit down for a calm, data-driven conversation about retirement planning — specifically the nuts and bolts of 401(k)s, IRAs, and how to build a savings strategy that actually works for your timeline. They start by walking through the mechanics of a traditional 401(k): how contribution limits work, what employer match really means, and why the difference between pre-tax and Roth contributions matters more than most investors realize. Luna pushes Lucas on common pitfalls — like how many people treat their 401(k) as a savings account rather than a long-term growth vehicle, and why cashing out early is almost always a mistake. They then compare the three main IRA types — Traditional, Roth, and SEP — and unpack the income limits, tax implications, and withdrawal rules that can trip up even disciplined savers. Along the way, they reference real-world examples: a hypothetical 35-year-old earning $80,000 and deciding between Roth and Traditional, a self-employed freelancer weighing a SEP IRA versus a Solo 401(k), and a couple approaching retirement who need to rebalance their asset allocation. Lucas and Luna don't just list options — they question assumptions. Should you prioritize your 401(k) match before opening an IRA? Is a backdoor Roth worth the paperwork? And when does 'set it and forget it' stop being a strategy and start being neglect? Whether you're just starting your first job or recalibrating a decade into saving, this conversation will leave you with a clearer sense of which account types fit your specific situation — and what numbers you need to track to stay on course. #RetirementPlanning #401k #IRA #RothIRA #TraditionalIRA #SEPIRA #Solo401k #EmployerMatch #RetirementSavings #TaxAdvantaged #CompoundInterest #AssetAllocation #BackdoorRoth #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast #Business Keep every episode free: buymeacoffee.com/fexingo© 2026 Fexingo. All rights reserved. 経済学
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  • The Spousal IRA Strategy for Non-Working Spouses in 2026

    The Spousal IRA Strategy for Non-Working Spouses in 2026
    2026/06/08
    Episode 38 of Retirement Planning with Fexingo dives into the spousal IRA strategy, a powerful but often overlooked retirement savings tool for couples with one non-working or lower-earning spouse. Lucas and Luna explain how a non-working spouse can still contribute to an IRA based on the working spouse's income, the income limits for 2026, and how this strategy can double a couple's retirement savings tax advantage. They walk through real numbers: for a family earning $150,000, a spousal IRA contribution could save $2,200 in taxes this year alone. The episode also covers the conversion to a Roth spousal IRA and common mistakes like missing the deadline or exceeding phase-out limits. Whether you're a stay-at-home parent, a part-time worker, or a dual-income couple, this episode gives you a concrete action step to boost your retirement nest egg by tens of thousands of dollars over time. #SpousalIRA #RetirementPlanning #NonWorkingSpouse #IRAStrategy #RothIRA #TaxSavings #FexingoBusiness #Finance #PersonalFinance #RetirementSavings #CouplesFinance #IncomeLimits #StayAtHomeParent #2026TaxYear #RothConversion #IRA #FinancialLiteracy #WealthBuilding Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • The 401k Auto-Escalation Feature That Boosts Your Savings Rate

    The 401k Auto-Escalation Feature That Boosts Your Savings Rate
    2026/06/07
    In this episode, Lucas and Luna dive into the 401k auto-escalation feature — a little-known plan design that automatically increases your deferral percentage each year. Lucas explains how a typical auto-escalation clause raises contributions from 3% to 10% over five years, using data from Vanguard's 2025 How America Saves report showing that participants with auto-escalation save nearly 2 percentage points more than those without. They discuss why inertia works in your favor, how to check if your plan has it, and whether you should opt out or lean in. Luna shares a real story from a friend whose auto-escalation boosted her savings from 4% to 12% without her noticing. The episode also covers the behavioral economics behind the feature, potential downsides like hitting IRS contribution limits too early, and how to pair it with a company match. #401k #AutoEscalation #RetirementSavings #BehavioralFinance #Vanguard #HowAmericaSaves #SavingsRate #EmployerMatch #CompoundInterest #Inertia #RetirementPlanning #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast #FinancialWellness #PlanDesign #SaveMoreTomorrow Keep every episode free: buymeacoffee.com/fexingo
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    6 分
  • How to Withdraw from Your 401k Before Age 59 and a Half Without Penalty

    How to Withdraw from Your 401k Before Age 59 and a Half Without Penalty
    2026/06/07
    Episode 36 of Retirement Planning with Fexingo tackles one of the most common retirement questions: 'Is there any way to access my 401k before 59½ without paying the 10% penalty?' Lucas and Luna walk through the three main exceptions — the Rule of 55, substantially equal periodic payments (SEPP), and hardship withdrawals — using concrete examples. They explain why the Rule of 55 only works if you leave your job in or after the year you turn 55, how SEPP plans lock you into a fixed withdrawal schedule for five years or until age 59½, and why hardship withdrawals still trigger the penalty unless they meet a specific exception. They also touch on a less-known strategy: rolling your 401k into an IRA and then using SEPP from the IRA. If you're planning an early retirement or just want flexibility, this episode gives you the rules so you don't get burned. #RetirementPlanning #Retirement #401k #EarlyWithdrawal #PenaltyException #RuleOf55 #SEPP #HardshipWithdrawal #SubstantiallyEqualPeriodicPayments #72t #IRA #Pension #Finance #Business #FexingoBusiness #BusinessPodcast #PersonalFinance #RetirementWithdrawal Keep every episode free: buymeacoffee.com/fexingo
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    9 分
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