『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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  • When a Roth Conversion Actually Makes Sense in 2026

    When a Roth Conversion Actually Makes Sense in 2026
    2026/07/21
    Lucas and Luna break down the mathematics behind Roth IRA conversions, explaining why 2026's lower marginal tax rates may create a rare window for savers. They walk through the income thresholds, the pro-rata rule trap, and a concrete example of a hypothetical couple in the 22 percent bracket. The hosts also discuss how a donor-advised fund can pair with a conversion to offset the tax bill, and why waiting until December could backfire. No theory — just the numbers and the calendar. #RothConversion #TaxPlanning #Retirement #Finance #FexingoBusiness #IRA #ProRataRule #TaxBrackets2026 #DonorAdvisedFund #CharitableGiving #TaxEfficiency #ConversionLadder #LucasAndLuna #BusinessPodcast #WealthManagement #PersonalFinance #RetirementPlanning #FinancialLiteracy Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • How Retirees Can Use a Donor Advised Fund for Tax Savings

    How Retirees Can Use a Donor Advised Fund for Tax Savings
    2026/07/21
    In this episode, Lucas and Luna explore how retirees can use a donor advised fund, or DAF, to bundle charitable donations and claim a larger tax deduction in a single year. They walk through a concrete example: a retired couple with $50,000 in annual charitable giving who bunch three years of donations into one DAF contribution, pushing them above the standard deduction threshold. The hosts explain how the Tax Cuts and Jobs Act raised the standard deduction to around $27,700 for couples in 2026, making itemizing harder for many retirees. By using a DAF, donors can deduct the full lump sum, invest the gifted assets tax-free, and recommend grants to charities over time. Lucas and Luna also cover the types of assets you can contribute — including appreciated stock — and the 30 percent adjusted gross income limit for cash donations versus 20 percent for securities. The episode includes a natural donation segment tied to listener support via buy me a coffee dot com slash fexingo. Perfect for retirees looking to optimize their charitable giving while lowering their tax bill. #DonorAdvisedFund #DAF #RetirementTaxPlanning #CharitableGiving #StandardDeduction #ItemizedDeductions #TaxCutsAndJobsAct #AppreciatedStock #TaxDeduction #BunchingStrategy #Retirees #TaxSavings #CharitableDonations #FidelityCharitable #SchwabCharitable #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • How Old 401k Accounts Can Pay for Roth Conversions

    How Old 401k Accounts Can Pay for Roth Conversions
    2026/07/20
    In Episode 123 of Retirement Planning with Fexingo, Lucas and Luna explore a little-known strategy: using old 401k accounts to cover the tax bill for Roth conversions. They break down why paying conversion taxes from the account itself can actually work in your favor—if you're over 59½. Using a detailed example for a married couple with $300k in a former employer's 401k, they show how this approach lets you keep more money invested, bypasses pro-rata rules, and even allows you to revert to a traditional IRA if the market drops. They also discuss the crucial role of the 60-day rollover window and why waiting until age 72 for RMDs might cost you more in taxes. A fresh angle for listeners who want to supercharge their Roth without draining their savings. #RothConversion #401k #RetirementPlanning #TaxStrategy #Rollover #RMD #Finance #FexingoBusiness #BusinessPodcast #Podcast #Money #Investing #Taxes #Retirement #Old401k #ProRataRule #RothIRA #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo
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    13 分
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