401k

Compare Roth IRA, traditional 401(k), Roth 401(k), and HSA for 2026. Contribution limits, tax rules, SECURE 2.0 changes, and a clear decision framework.

Retirement planning gets oversold by product sellers and undersold by everyone else. Here is the arithmetic behind savings rates, withdrawal rules, tax-advantaged accounts, Social Security, and the risks that quietly break plans.