User Stage: 401k

Retirement & FIRE

Roth Conversion Ladder Explained: How to Access Retirement Funds Before 59.5

Retiring before 59.5? The Roth conversion ladder lets you access your 401(k) money penalty-free. It is the key strategy for the FIRE…

April 18, 2026 · 8 min read

Retirement & FIRE

What Is a 403(b) and How Is It Different from a 401(k)?

If you work for a school, hospital, or nonprofit, you probably have a 403(b) instead of a 401(k). Here is how it…

April 18, 2026 · 9 min read

Investing

What Is a Target-Date Fund and Should You Use One?

A target-date fund is the simplest way to invest for retirement: pick one fund matching your retirement year, and it handles everything…

April 18, 2026 · 10 min read

Retirement & FIRE

401(k) Explained: How to Get Every Dollar of Your Employer Match

Your employer is offering you free money through the 401(k) match. If you’re not contributing enough to get the full match, you’re…

April 18, 2026 · 10 min read