Personal finance guru Dave Ramsey recently weighed in on the retirement planning debate between traditional 401(k) plans and ...

Don't assume a Roth account is right for you. Don't assume you can raid your Roth IRA or 401(k) at any time. Don't assume that you should keep your entire retirement nest egg in a Roth. The $23,760 ...

Thomas J Catalano is a CFP and Registered Investment Adviser with the state of South Carolina, where he launched his own financial advisory firm in 2018. Thomas' experience gives him expertise in a ...

Retirement does not end your tax bill. It changes where taxes come from, when they are triggered and how much control you ...

A retirement plan that needs to last 30 or more years can succeed or fail based on its structure. Account types, contribution ...

To balance the budget, SECURE 2.0 Section 603 added a requirement that catch-up contributions for certain “high earners” must be designated Roth, rather than pre-tax. For plans that already permit ...

Let’s consider a scenario where you have two spouses, both 47, pulling $185,000 at the same employer. They are already maxing ...

Roth accounts offer the benefit of tax-free gains and withdrawals. They also don't force you to take required minimum distributions (RMDs). The problem is that they make it almost too easy to access ...

To submit a question, e-mail USA TODAY reporter Christine Dugas at: cdugas@usatoday.com The Thrift Savings Plan (TSP) is a retirement savings plan for federal employees If you contribute combat pay, ...

On September 16, 2025, the U.S. Department of the Treasury and Internal Revenue Service (IRS) issued final regulations implementing the Roth catch-up contribution provisions of the SECURE 2.0 Act of ...

A new 2027 federal retirement benefit has a catch for Roth IRA owners. Here is the rule, who qualifies, and what to do before ...