Personal Finance
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How to Retire Early With a 401(k): Rules and Strategies
Retiring early with a 401(k) requires understanding how to access funds before the standard retirement age without triggering heavy penalties.…
State Tax on 401(k) Withdrawals: General Rules and Strategies
While federal taxes apply uniformly, the way states tax 401(k) withdrawals can vary widely. Some states fully tax 401(k) distributions,…
Tax Credits for Students: Tips and Strategies
Paying for college can feel overwhelming, but smart tax planning can make a real difference. The IRS offers several education…
Does a Roth Conversion Count as an RMD? Retirement Tax Guide
When it comes to managing retirement income, taxes can be one of your biggest – and most overlooked – expenses.…
Can You Change Your 401(k) Contribution at Any Time?
Your 401(k) plays a key role in helping you save for retirement, but life events can affect how much you’re…
Are Part-Time Employees Eligible for 401(k)s?
For years, many part-time workers were excluded from 401(k) participation, leaving them with fewer ways to save through an employer.…
How to Build a Retirement Portfolio at Age 70
At age 70, retirement is no longer a distant goal—it’s your current reality. Whether you’re newly retired or reevaluating your…
What to Do Six Months Before Retirement: Checklist
The final six months before retirement are some of the most important. During this window, you’ll want to fine-tune your…
5 Smart Money Moves to Make With Your RMDs
Once you begin taking required minimum distributions (RMDs) at age 73, you must withdraw a set amount each year from…
Can I Cash Out My 401(k) While Still Employed?
While some retirement plans allow in-service withdrawals, most discourage early access with penalties, taxes and missed growth potential. Before making…
