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Retirement Planning

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Retirement Planning

Everything you need to know about planning for retirement, from 401(k)s and IRAs to withdrawal strategies.

12 lessons·7 tools·8 key concepts

Key concepts

401(k)A retirement savings account offered by employers. Often includes matching contributions, free money you shouldn't leave on the table.IRAIndividual Retirement Account - a retirement savings account you open yourself. Comes in Traditional and Roth varieties.Roth IRARetirement account funded with after-tax dollars. Contributions and ALL growth can be withdrawn tax-free in retirement.Traditional IRARetirement account with tax-deductible contributions. You pay taxes when you withdraw in retirement.compound interestInterest calculated on both the initial amount AND previously earned interest. This is how money grows exponentially over time.employer matchFree money from your employer added to your 401(k) based on your contributions. A 100% return on investment!vestingThe process of earning ownership over time. Common schedule: 4-year vesting with 1-year cliff means nothing for year 1, then gradual ownership.retirementThe phase of life when you stop working for income. Requires having enough saved to cover expenses for potentially 30+ years.

Lessons

401(k) Basics: Don't Leave Free Money on the TableInvestingFoundations5 min
IRA Basics: Your Personal Retirement AccountInvestingFoundations5 min
Roth vs. Traditional: Which Is Right for You?InvestingBuilding7 min
Compound Interest: How Money Grows ExponentiallyMoney BasicsFoundations4 min
Investing 101: Making Your Money Work for YouInvestingFoundations5 min
Index Funds: The Simple Path to InvestingInvestingFoundations5 min
ETFs Explained: The Modern Way to InvestInvestingBuilding6 min
Asset Allocation: Balancing Risk and RewardInvestingBuilding6 min
Dividend Investing: Building Passive IncomeInvestingBuilding6 min
The Backdoor Roth IRA: A High Earner's SecretInvestingWealth7 min
Tax-Loss Harvesting: Turn Losses Into Tax SavingsInvestingWealth6 min
Portfolio Rebalancing: Maintaining Your StrategyInvestingWealth5 min

Related tools

401(k) OptimizerBuildingMaximize your employer retirement match
Roth vs TraditionalBuildingWhich retirement account is right for you?
Retirement ProjectorBuildingProject your retirement savings growth
Retirement Income PlannerWealthPlan sustainable retirement withdrawals
FIRE CalculatorWealthPlan your path to financial independence
Withdrawal StrategyWealthPlan retirement account withdrawals
Social Security OptimizerWealthMaximize your SS benefits

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