Employer Has Not Corrected Missing 401K Contributions From March That Show as Deducted on Pay Stub In March my 401k contributions were taken out normally (but I change percentages every month), therefore I know it is March that has yet to be contributed. All future contributions have gone through, yet my employer has not corrected the two contribution amounts from March. I’ve spent hours between my manager, the owner, and the company who han…

High-income catch-up contributions become Roth-only in 2026. Does that make catch-up contributions irrelevant if after-tax in-plan Roth conversions are available? Starting in 2026 catch-up contributions cannot be contributed pretax if you earn more than $145k. They must be Roth contributions. Why bother allowing/keeping catch-up contributions for those earning over $145k? It would be simpler to eliminate them. The catch-up Roth contribution and “after-tax contributions with in-plan Roth conversions” end …

Microsoft employees’ cybersecurity contributions will factor into their pay Microsoft’s Brad Smith told a U.S. House committee that its board will evaluate top executives’ cybersecurity work when deciding on bonuses.

W2 to Self Employed HSA contributions? I recently changed from a W2 employee to self employed and am maintaining my HDHP coverage via cobra. I have not maxed out my 2024 HSS contributions and would like to do so. I plan to roll my existing HSA (through prior employer) to Fidelity. Can I make new HSA contributions to that Fidelity HSA, or do I need to open a new HSA altogether to sepa…

529 – Front-load Contributions? I have the opportunity to contribute what I believe is the amount needed to fully fund my child’s public 4 year education in 15 years. Much like a coast FIRE situation. Has anyone done this? Is it better to get this taken care of right away or continue to contribute monthly to the 529 for the next 15 years? submitted by /u/Cactus1986

401k Pretax vs Roth contributions All of the reading I’ve done on the “Roth or Traditional?” question answers the question by saying “what tax bracket will you be in when you retire?” I don’t know; who knows how much I’ll retire with? Won’t that determine how much I can spend using the 4% rule, and how much I’ll have to take in income one RMD kicks in? And who knows what the tax…

are Roth IRA contributions for combined accounts? Basically I have a Vangard Roth IRA that I’m trying to max every year. But I also have a Roth 401k from work that I’m contributing 3% or about $2200/yr. Is the work Roth contribution come out of the 401k $23k limit or the Roth limit? Should I move that 3% to the traditional 401k instead and max the Vanguard Roth IRA $7k/yr, Or can I max both as …

High earner just realized my Trad IRA contributions are no longer deductible-what now? Hi all, Newish to PFi so some concepts are fuzzy for me! I have about 70k in my Traditional IRA with Vanguard. I am finally at the point in my career where I make too much (200K this year-RN in a VHCOL area) to deduct my Trad IRA contributions from my taxes. If I convert it to a ROTH, my understanding is that I will pay taxes on existing earning…

Lost with contributions I’ve been contributing to a bunch of different retirements since I got hired at my state job like 8 years ago. I’ve tried to research a bit but always end up lost. I’m also really bad with money and need to get better at saving. I have a pension that I contribute 3% of my paycheck to and then 3% to a 401k 3% to a 457 5% to a Roth 401k 4% to a…

529 vs Roth IRA contributions? I basically can save 3k a year in my kids’ 529 or max out my Roth with my extra $ currently. I know a 529 gives some tax benefits (on 3k its nothing crazy, few hundred $ a year I think)…but starting to think I might be better off just going the Roth IRA route and can use my Contributions (before 60) tax free for college funds. This lets me kin…

Tipped employee question about 401k contributions and taxes The company I work for offers a matched 401k. The majority of income received by the restaurant worker is in the form of tips that are not paid out on the paycheck, but the gross amount is all accounted for on the paycheck with an IRS tip-agreement. I’m struggling to find a clear answer on 401k contributions for a tipped employee and tax ramific…

401k contributions while paying off high interest debt? My employer doesn’t match 401k contributions until after 1 year of working there. Should I postpone 401k contributions to focus on paying off debt? Once I meet the one year mark then contribute up to the match until I’m out of high interest debt? submitted by /u/No_Skill424

Married Filing Seperate, how to handle excess Roth IRA contributions? My spouse and I tied the knot in April, and we’ve decided to file our taxes as “married filing separately” for a specific reason. My wife has a significant amount of student loan debt, totaling over $130,000, and she’s enrolled in an income-driven repayment plan. Our goal is to keep her monthly payments as low as possible, given her financial si…

Vanguard 403b, no option to add contributions? Trying to set up a 403b as a teacher in Texas. Chose vanguard as I have accounts in Schwab (Roth IRA) and Fidelity (Brokerage) and wanted to diversify and have a tax deferred account. However, after signing up and signing into Vanguards 403b site there is no option to elect how much of my paycheck should be contributed to the account. Have atte…

Should I pause my 401k contributions? As the title says, I’m debating pausing my 401k contributions. My employer has recently paused their match at the same time they are doing layoffs, which doesn’t give me much confidence in them. I still invest in other forms but I’m wondering if I should just save some extra cash in an uncertain time with my company. I don’t have much for an eme…

Should I lower my 401k contributions to save for a deposit on a house? Currently making right about $100,000 per year at my current job. I contribute 15% to my 401k, and my employer provides a 6% match. I have about $10,000 in my emergency fund, which will cover 3-6 months of expenses. Currently I contribute $100 of every weekly paycheck to a high yield savings account with the intention of saving for a down paymen…

Recently married. Just found out that I am not eligibile to contribute to a Roth IRA as a result of planning to file separately. I have already made contributions this year. What now? Do I just withdraw this year’s contributions? Will I face a penalty or tax? How should I handle this? Must file separately to minimize income-driven loan repayment burden – this is currently non-negotiable. submitted by /u/JanetYellenThrowAway

Living off inheritance until it runs out and maxing out my work 403b contributions in exchange? So I (26f) currently have a pretty low income of about $33k a year. I have a pre tax 403b plan that I can contribute up to $20,500 into yearly.. my employer matches 50% of my contributions but only to the extent that my elective referral does not exceed 6% of my earnings per pay period. (I am currently looking to get a job with a pension though)…

Does retirement % change if you are making Roth contributions? Mid-20s. Married. Combined gross income: $107k. VHCOL city. We’re currently budgeting $1800/mo for retirement savings, which is 20% of our gross income. However, these are all Roth contributions because we are in such a low tax bracket (12% with standard deduction), and we both have a lot of future earning potential. We’re both pursuing STEM PhD…

Don’t understanding “vesting” in retirement contributions/”Are we saving enough?” This post started as a simple “are we saving enough?” but has evolved by having a wrench thrown into this that I don’t really understand. My wife and I are in our mid-20’s, and together make good money but live in a MCOL/HCOL area. Due to a couple of emergencies and life circumstances (as well as, I’ll be honest, some unnecessary discretionary t…