https://www.my401kadvice.com/blogs daily 0.75 2026-03-06 https://www.my401kadvice.com/blogs/401k-help-101-a-beginners-guide-to-mastering-your-employer-sponsored-plan monthly 0.5 2026-03-06 https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/a9edf899-ecdc-4b89-aeda-8993f228b7cb/22.jpg Blogs - 401k Help 101: A Beginner’s Guide to Mastering Your Employer-Sponsored Plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/6fc29d63-af2d-409e-9197-5506d328b95a/2.webp Blogs - 401k Help 101: A Beginner’s Guide to Mastering Your Employer-Sponsored Plan - Traditional vs. Roth: The Great Debate When you sign up, you’re usually asked to choose between a "Traditional" and a "Roth" 401(k). (if your employer has a “Roth bucket”) Do you know the difference? Most people just guess. Let’s fix that. A Traditional 401(k) uses "pre-tax" dollars. This means the money goes into your account before the IRS takes their cut. It lowers your taxable income today. If you make $50,000 and put $5,000 in your 401(k), the IRS only taxes you as if you made $45,000. The catch? You pay taxes when you take the money out in retirement. A Roth 401(k) is the opposite. You pay taxes on the money now. But here is the kicker: when you retire, every cent you take out is 100% tax-free. Which one is right for you? If you think you’ll be in a higher tax bracket later in life, the Roth is usually the winner. If you need the tax break now to help pay the bills, Traditional might be the move. https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/f3682ec9-dfd3-4e5d-8d4d-7d6f574a556f/44.jpg Blogs - 401k Help 101: A Beginner’s Guide to Mastering Your Employer-Sponsored Plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/60105bf2-e39c-4c11-983a-e82dbcbca19d/55.png Blogs - 401k Help 101: A Beginner’s Guide to Mastering Your Employer-Sponsored Plan - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/4aa82c5d-a38c-484f-937c-957ab2bea99f/66.jpg Blogs - 401k Help 101: A Beginner’s Guide to Mastering Your Employer-Sponsored Plan - Final Thoughts from Kevin Look, I get it. Thinking about retirement feels like thinking about a doctor’s appointment. You know you need to do it, but you’d rather do anything else. But your 401(k) isn't just a "retirement account." It is your future freedom fund. It is the money that will one day allow you to say "no" to a job you don't like or "yes" to a dream you’ve been putting off. Don't let it sit on the sidelines. Get the help you need, keep your costs low, and stay invested. Your future self is already thanking you. If you have questions or just want to see what we’re all about, contact us or dive into our blogs for more tips. Let's get that 401(k) working as hard as you do. https://www.my401kadvice.com/blogs/spice-up-your-401k-this-fall monthly 0.5 2025-09-19 https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/1d35a5f0-c5c1-4183-98cf-de74a40a8b14/ChatGPT+Image+Sep+16%2C+2025%2C+11_43_06+AM.jpg Blogs - Spice Up Your 401(k) This Fall - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.my401kadvice.com/home daily 1.0 2026-03-23 https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/76993685-f2db-4842-b06e-5a428b24f2ea/Presentation1.jpg https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/48b59210-7f2d-45ae-b5f8-1a5d536c1176/Presentation1.jpg https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/76e61e49-6975-4256-a681-e2430fdbe630/Presentation1.jpg https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/6f8ce87d-7e48-4e9e-ac41-0fffc538f700/c0ad7664-d60f-4202-afdb-7e355819e301.png https://www.my401kadvice.com/pricing daily 0.75 2026-03-23 https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/6992f429-71ff-4cc1-8023-9a3b2bd17f40/e96e1281-2c5a-490c-85d9-b598e86d6f15.png https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/a774c2a4-af82-49f6-8bbf-0b39bb693468/d258bdff-4542-4777-99c3-eb7b6c64388e.png https://www.my401kadvice.com/how-to-take-control daily 0.75 2026-03-23 https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/2fbc022f-3093-44ce-b5e2-5b91d27f6054/7772818e-7581-43ce-8466-dec80b9cc011.jpg https://www.my401kadvice.com/contact-us daily 0.75 2026-03-23 https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/904c3048-5546-46c0-b7ee-39a8780a746f/assistant.png https://www.my401kadvice.com/investment-strategies daily 0.75 2026-03-23 https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/4942fa17-a0a7-475e-b8cd-6a2779709a83/93565203-1d1f-42ce-8238-145931afd897.png https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/130fd3bc-c279-4227-bd14-21d8bf1228ed/204daab5-61fd-43d0-9c56-b550fa397af8.png https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/0d0131f4-9fc5-408a-8945-66183cd0a1f6/49a10a66-3de9-4dd2-96a2-072c04c6e03f.png https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/c5a2319f-5ffa-490f-ada3-e75e3716968f/c6d3e844-6fa2-4009-a781-240676847625.png https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/eaa771d7-f46b-4e72-99fe-4d5efda9d91a/cb295b6f-4eee-4921-9515-d6bfb16ecc97.png https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/78455bc5-4af3-4955-80b2-799fa7ae2f49/3be7572b-de24-4bea-b438-f7991c225fb4.png https://images.squarespace-cdn.com/content/v1/621c2a452ecede1f9b7b4de7/8ec4f6aa-a716-4735-93d0-93e3261e3b1d/fdee3604-5c93-49bd-b701-78d359d1258f.png