Episode 90: Maxing Out Your 401(k): Is It Worth It in 2025?
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Episode 90: Maxing Out Your 401(k): Is It Worth It in 2025?
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Summary:
In this episode, I break down whether maxing out your 401(k) is worth it in 2025—and the answer really depends on your personal goals and situation. The IRS cap this year is $23,000 if you’re under 50 and $30,500 if you’re 50 or older. Maxing it out can offer big benefits: lower taxable income, employer matching (free money!), long-term compound growth, and a stronger retirement plan.
But it’s not for everyone. If your 401(k) has high fees or limited investment options, or if you’re still building an emergency fund or saving for short-term goals like a home or travel, you might want to scale back. I always recommend covering your basics—like 3–6 months of living expenses—before locking up too much cash in retirement accounts.
Still, if you’ve got steady income, low debt, and your other financial bases covered, maxing out your 401(k) can be one of the smartest ways to grow wealth and retire comfortably.
The key is finding balance. Use your 401(k) as a tool—but not at the expense of flexibility or security today. Your financial future is built one smart decision at a time, and this one is worth careful thought.