Retirement

• How to roll over a 401(k): direct vs indirect rollover

  When you leave a job, you can keep your 401(k), move it to a new employer plan, roll it into an IRA or cash out. How a direct rollover works, the 60-day rule and 20% withholding.

• The 4% rule for retirement: how it works and its limits

  The 4% rule says you can withdraw 4% of your savings in year one, then adjust for inflation, with a high chance your money lasts 30 years. How to use it, the 25x rule and its weaknesses.

• Social Security full retirement age: chart by birth year

  Full retirement age is 67 for anyone born in 1960 or later. See the age chart, how much benefits drop if you claim at 62, the 8% a year gain for waiting until 70, and 2026 earnings limits.

• Required minimum distributions (RMDs): age 73 rules explained

  You must start RMDs from traditional IRAs and 401(k)s at age 73 (75 if born in 1960 or later). How RMDs are calculated, deadlines, penalties and which accounts are exempt.

• Roth IRA vs traditional IRA: differences and 2026 limits

  A traditional IRA gives a tax break now; a Roth IRA gives tax-free withdrawals later. Compare rules, 2026 contribution and income limits, and how to decide which is right for you.

• 401(k) contribution limits 2026: $24,500 plus catch-up

  The 2026 401(k) limit is $24,500. Workers 50+ can add $8,000, and those aged 60 to 63 can add $11,250. Full 2026 limits for 401(k), 403(b), 457, TSP, IRA and SIMPLE plans.