How a 401(k) Employer Match Works — and Becomes Yours
A 401(k) match is free money—if you contribute enough to trigger it. See how formulas and vesting work, and how yours compares to the 4.7% average.
Is Your 401(k) on Track for Your Age?
How much should be in your 401(k) by 40, 50, or 60? Fidelity says 3x, 6x, and 8x your salary — see how your balance really compares.
The Average 401(k) Employer Match, and How to Get It All
The average 401(k) employer match is worth about 4-6% of pay, yet auto-enrollment often defaults workers below the level that earns the full amount.
Who Maxes Out a 401(k), and Why So Few Actually Do
Who maxes out a 401(k)? Barely one in seven—and nearly all are high earners. The reason isn’t discipline; it’s arithmetic most salaries can’t beat.
What Your Average 401(k) Balance by Age Really Means
The average 401(k) balance by age looks alarming — until you see the median. At $44,115, the typical account holds far less than headlines suggest.
Deciding How Much to Contribute to Your 401(k)
How much to contribute to a 401(k)? Most workers defer just 7.6% of pay—under the 15% research suggests. Here’s how to set the right rate for you.
What Is the 401(k) Employer Contribution Limit?
The 401(k) employer contribution limit isn’t a separate number. It’s what’s left of a shared $72,000 cap after your deferral — here’s how to find it.
How the 2026 Roth Catch-Up Rule Affects 401(k) High Earners
401(k) Roth catch-up rules changed in 2026: above $150,000 in 2025 wages, your catch-up must go Roth. Here’s how to tell if the line reaches you.
Your Clear Guide to 401(k) Catch-Up Contributions in 2026
401(k) catch-up contributions rose for 2026 — but the super catch-up didn’t. See what each age can add and the Roth rule high earners can’t miss.
Your 2026 401(k) Contribution Limits, Clearly Explained
The 2026 401(k) contribution limits brought a $1,000 increase—but a quieter SECURE 2.0 change now requires high earners to make catch-ups Roth this year.
