Finance ❯ Personal Finance ❯ Retirement Planning

401(k) Plans

Contribution Limits Investment Strategies Employer Contributions Hardship Withdrawals Withdrawal Strategies Millennials Social Security Benefits Contribution Rates Withdrawals SECURE Act Catch-Up Contributions Retirement Savings Traditional vs Roth 401(k) Savings Behavior Gen Z Retirement Savings Savings Rates Contribution Strategies Roth 401(k) Loans Savings Challenges Investment Performance Savings Strategies Employer Matching Contributions Advantages and Disadvantages Income Calculation Catch-up Contributions Retirement Savings Growth

401(k) Averages Mask Widespread Shortfall for Typical Savers

Record averages reflect concentration in a few very large accounts, leaving most workers with insufficient balances for retirement.

Most U.S. Retirees Face Large Savings Shortfalls, CareScout Finds

Most Americans Face Large Retirement Shortfalls as Medians Tell a Different Story

Record Shift to Roth Accounts Prompts Rethink of 401(k) and IRA Strategy

Record Share of 401(k) Savers Take Hardship Withdrawals as Access Eases

New NIRS Report Finds Typical U.S. Worker Has $955 in Retirement Savings

Dave Ramsey Urges Workers to Enroll in 401(k)s Now to Capture Employer Matches

2026 Guide to Saving for Retirement: Maximize 401(k)s, Reduce Fees, Weigh Roth, and Use IRAs/HSAs

New 2026 Charitable Tax Rules Spur Last-Minute 2025 Tax Moves

IRS Sets 2026 Retirement Limits, Lifts 401(k) Cap to $24,500

IRS Sets 2026 Retirement Limits and Roth Catch-Up Rule for High Earners

IRS Sets 2026 Retirement Plan Limits, Triggers Roth Catch‑Up for High Earners

Final IRS Rules Mandate Roth Treatment for High‑Earner 401(k) Catch‑Ups Starting in 2026