『The 401k Podcast with Fexingo: Employer Retirement Plans, Matching, and Long-Term Saving』のカバーアート

The 401k Podcast with Fexingo: Employer Retirement Plans, Matching, and Long-Term Saving

The 401k Podcast with Fexingo: Employer Retirement Plans, Matching, and Long-Term Saving

著者： Fexingo
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Lucas and Luna examine the mechanics of employer-sponsored 401k plans, from matching formulas and vesting schedules to target-date funds and Roth options. Each episode dissects a single aspect of retirement saving: how compounding works on a 30-year timeline, the tax implications of pre-tax vs. Roth contributions, and the behavioral pitfalls that lead to early withdrawals. Lucas explains the regulatory landscape—ERISA fiduciary rules, nondiscrimination testing, and automatic enrollment trends—while Luna presses for real-world examples: how a 26-year-old earning $55,000 should allocate her first 401k, or what happens to a plan when a startup gets acquired. The show is built for employees who want to maximize their employer match and understand their plan's fine print, as well as HR professionals and financial advisors who need to stay current on plan design and participant outcomes. Expect a fact-driven conversation that weighs the Vanguard vs. Fidelity index fund options, compares safe harbor vs. traditional matching, and calculates the true cost of cashing out a 401k early. Lucas and Luna never assume prior knowledge, but they never dumb it down either. By the end of each episode, you'll know exactly what questions to ask your benefits team—and whether your current savings rate is enough to retire at 67. #401k #EmployerRetirementPlans #MatchingContributions #LongTermSaving #RetirementPlanning #FiduciaryRules #TargetDateFunds #RothVsTraditional #VestingSchedule #AutoEnrollment #ERISA #CompoundInterest #TaxDeferred #FinancialLiteracy #HRBenefits #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo© 2026 Fexingo. All rights reserved. 経済学
エピソード
  • How Your 401k Plan Uses Forfeitures to Reduce Employer Costs

    How Your 401k Plan Uses Forfeitures to Reduce Employer Costs
    2026/06/07
    Episode 36 of The 401k Podcast with Fexingo dives into a little-known but hugely impactful 401k feature: forfeitures. Every year, employees who leave a company before their employer match fully vests leave money behind—and that money doesn't vanish. Instead, it goes into a forfeiture account, which plan sponsors can use to reduce future matching contributions, pay plan fees, or even reallocate to remaining participants. Lucas and Luna break down the mechanics with a concrete example: a 5% match on a $60,000 salary, a two-year cliff vesting schedule, and what happens when an employee leaves after 18 months. They also discuss the recent IRS rule changes in 2025 that clarified how forfeitures must be used and why plan sponsors are now required to disclose forfeiture balances on Form 5500. By the end, you'll know how to check your own plan's forfeiture policy and why this hidden pool of money matters to your bottom line. Plus, a brief listener-supported moment tied to the episode's core message about transparency. #401k #Forfeitures #EmployerMatch #Vesting #RetirementPlans #IRS #Form5500 #PlanSponsor #Fiduciary #ERISA #ParticipantAdvocacy #FeeDisclosure #EmployerCosts #RetirementSaving #Finance #BusinessPodcast #FexingoBusiness #The401kPodcast Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • Your 401k Emergency Savings Account Is Now a Real Option

    Your 401k Emergency Savings Account Is Now a Real Option
    2026/06/06
    Starting in 2026, 401k plans can include an emergency savings account feature that lets you save up to $2,500 of after-tax money that's fully liquid, tax-free on withdrawal, and even eligible for employer matching. Lucas and Luna break down how SECURE 2.0 created this option, why it changes the old rule that retirement money should never be touched before 59.5, and what it means for someone who's been avoiding their 401k because they're afraid of locking up cash. They walk through the mechanics, the matching nuance, and a real example of how a 30-year-old earning $60,000 could use the feature to build a $2,500 cushion while still getting the full employer match. The episode closes with a reflection on whether this finally kills the 'emergency fund vs. retirement savings' trade-off. #401k #EmergencySavingsAccount #SECURE2dot0 #RetirementPlanning #EmployerMatch #LiquidSavings #TaxFree #Fexingo #BusinessPodcast #Finance #PersonalFinance #EmployeeBenefits #WorkplaceSavings #LucasAndLuna #The401kPodcast #FexingoBusiness #FinancialWellness #PlanSponsor Keep every episode free: buymeacoffee.com/fexingo
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    12 分
  • How Your 401k Catch-Up Contributions Change at Age 50

    How Your 401k Catch-Up Contributions Change at Age 50
    2026/06/06
    Episode 34 of The 401k Podcast with Fexingo digs into the 401k catch-up contribution rule for workers age 50 and older. Lucas and Luna break down the SECURE 2.0 changes taking effect in 2025 and 2026, including the new higher catch-up limit for ages 60 to 63. They walk through a real example: a 55-year-old earning $120,000 who uses the full catch-up for five years could add nearly $40,000 in tax-advantaged savings versus skipping it. The hosts also explain why the rule change in 2026 forces some high earners to use Roth catch-up contributions instead of pre-tax. A practical episode for anyone approaching retirement or helping a parent with their 401k strategy. #401k #CatchUpContributions #RetirementPlanning #SECURE2.0 #RothCatchUp #EmployerRetirementPlans #Age50Plus #TaxAdvantagedSavings #FiduciaryRules #ContributionLimits #PreTaxVsRoth #RetirementIncome #PlanSponsor #IRSGuidance #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    9 分
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