US Retirement
7 posts in US Retirement.
401(k) vs IRA: Which to Max First in 2026 (The Right Order)
The right order to max US retirement accounts in 2026: 401(k) up to match, then HSA, then Roth IRA, then 401(k) max, then taxable brokerage. Full guid...
Roth vs Traditional 401(k) 2026: 8 scenarios ranked by which actually wins (worked math)
Roth or Traditional 401(k) in 2026 IRS: the decision by income, state tax, age, and expected retirement bracket. 8 scenarios ranked, with terminal-val...
Top 10 Roth IRA mistakes to avoid in 2026 (high earners + young investors)
The 10 most expensive Roth IRA mistakes US investors make: pro-rata trap, missing Backdoor, contribution income limits, 5-year rule, withdrawing growt...
How to claim Social Security in 2026: full strategy + 8% delay credit
Social Security claiming in 2026: full retirement age (FRA) 67 for those born 1960+. Claim at 62 (reduced 30%) or delay to 70 (boosted 32%). Spousal, ...
How to do a Roth conversion in 2026: step-by-step + tax-bracket math
Roth conversions move pre-tax 401(k)/IRA money into a Roth account. Pay tax now at known 2026 rates to avoid higher future rates and RMDs. Step-by-ste...
How to use an HSA in 2026: triple tax advantage maxed step-by-step
HSA (Health Savings Account) gives the triple tax advantage: deductible contribution, tax-free growth, tax-free qualified medical withdrawal. 2026 lim...