An educational resource for people who want to invest wisely—without unnecessary complexity or “secret strategies.” The site breaks down the mechanics of investing: index funds, dividend-paying stocks, tax optimization, retirement accounts, and real estate as an investment vehicle.
Cash out. Leave it. Roll to new 401(k). Roll to IRA. Three of these are wrong for almost every person. The one that works almost always is usually the default nobody chooses.
You're borrowing your own money at 8.5% interest that you pay back to yourself. Sounds fine. Then you lose your job and the whole thing becomes due in 60 days.
The 2055 fund is probably your default. It's also holding 15% bonds you don't need at 35, and charging 0.65% for the privilege. The math says rebuild it.
A 50% match on the first 6% is a 50% instant return. Nothing else comes close. Here's how to maximize it without screwing up your paycheck cash flow.
The 2026 contribution limit is $7,000. Whether that goes Roth or Traditional depends on your marginal bracket today vs. retirement — with specific numbers.
A 1% expense ratio sounds small. Over 35 years of compounding, it's a $300,000 paycut. The math shows why 0.03% funds are non-negotiable.