If you have a 401(k) retirement program through your employer, you should be using it to build an effective retirement strategy. But often these programs are under-utilized. Debt.com helps workers who need a little retirement help to get the most out of a 401(k) – from match plans to mutual fund investment tips, we’ve got you covered.

Articles tagged with 401k:

parents stressed about retirement

No Parents, You Can’t Have It All

March 22, 2017 | Dori Zinn

Parents are downsizing and delaying retirement to make sure their kids and their savings are both in tact.

Do you pay use tax?

The Big, Important Tax Credit You’re Missing

February 22, 2017 | Dori Zinn

The majority of Americans are eligible for a tax credit just for saving retirement money, but aren’t aware this credit exists.

football and vacation time

If You Were a Real Falcons Fan, You’d Give This Up

February 7, 2017 | Joe Pye

Most Americans say they would trade these work benefits just to see their team claim the Super Bowl.

High interest savings accounts

None of Us Are Ready for an Emergency

January 12, 2017 | Dori Zinn

What if you don’t have enough cash even for a tragedy, disaster, or other emergency? Most of us aren’t ready for one.

huge debt mistakes

Most Employees Don’t Get the Student Loan Help They Need

January 5, 2017 | Dori Zinn

Companies could be doing their employees a huge service if they offered some — and sometimes better — student loan repayment assistance.

Money saving resolutions

Most Americans Don’t Have a Financial Plan

December 6, 2016 | Dori Zinn

Most middle-income Americans don’t have a financial plan, while nearly half of those making more than $100,000 a year have do have one.

Millennial retirement

Retirement Strategies For A Non-Working Spouse

November 24, 2016 | Dollar Stretcher

Knowing your options is important to a comfortable retirement.

America Saves Week

Why Can’t Americans Save Even Though They Want To?

November 9, 2016 | Lucy Lazarony

Americans are trying to save, but they’re uncertain about money.

Piggy Bank

Should You Use a 401k Loan to Pay for a Bathroom Remodel?

November 3, 2016 | Dollar Stretcher

We ask a CPA for advice. What he says might surprise you.

best retirement accounts

Ask The Expert: Is Saving For Retirement Over-Rated?

October 26, 2016 | Howard Dvorkin, CPA

A reader worries that her husband doesn’t worry about saving for retirement.

Make sure your health benefits add up.

How Physical Health Helps Financial Health

October 3, 2016 | Dori Zinn

Want to get your finances on track? Try moving more.

America Saves

Spending Doesn’t Make Us as Happy as We Think

September 12, 2016 | Dori Zinn

But saving does, and most of us prefer it that way

Could you do a better job than your boss?

Many of Us Want to Change Jobs – But Not for the Money

August 25, 2016 | Dori Zinn

Salary tops the list, just barely — “benefits” and “fun” are next

rich worried about retirement

Retirement Is the Biggest Source of Financial Stress

August 15, 2016 | Dori Zinn

Young people are more stressed about retirement than paying off their student loans.

latin business man worried paying bills on couch

5 Biggest Debt Traps for New Entrepreneurs

August 11, 2016 | John Rampton

Debt isn’t bad for new businesses, but too many entrepreneurs use it wrong.


Millennials Can’t Make a Million

August 4, 2016 | Dori Zinn

With low wages and high student loan debt, it turns out millennials can’t fathom the idea of saving more than they actually need, if they can save at all.

Retirement is top concern for many Americans

People are More Scared About Money Than Death

July 20, 2016 | Dori Zinn

What do Americans fear most about retiring? Living too long. They don’t have a death wish, but they’re afraid of running out of money before they run out of time.

Dvorkin On Debt: Pokemon Go Should Be Pokemon Dough

July 18, 2016 | Howard Dvorkin, CPA

The latest craze in mobile gaming can teach as much as it entertains.

vacation of the future

Ask The Expert: What To Do About A Work Disability

May 25, 2016 | Howard Dvorkin, CPA

A reader is out of work after an injury. Is he out of luck, too?

rich worried about retirement

Ask The Expert: What Should I Save For First?

April 27, 2016 | Howard Dvorkin, CPA

A reader is torn between paying off her credit cards, saving for retirement, or doing a little of both.

Here's how to save for retirement

Ask The Expert: Will I Ever Be Able To Retire After Raising 2 Kids?

March 16, 2016 | Howard Dvorkin, CPA

A reader worries about getting back into the job market after her youngest son moves out.

retirement role model

10 Guaranteed Ways to Retire Rich

March 15, 2016 | Money Talks News

To accumulate the funds for your golden years is not that hard, but it requires some planning.

retirement role model

6 Ways To Ensure Enough Money For Retirement

November 10, 2015 | Money Talks News

Following these steps can help ensure that you do not live longer than your money once you stop working.

How to get IRS tax debt help

4 Common Reasons People Go to Financial Planners

October 8, 2015 | Debt.com

You don’t need a lot of money to get a lot from a financial planner.

Millennial retirement

Dvorkin On Debt: Is Your Retirement Automatically In Trouble?

October 5, 2015 | Howard Dvorkin, CPA

Automatic savings plans like a 401(k) have helped millions of Americans, but are they hurting them, too?

rich worried about retirement

5 Reasons You Can’t Retire Early

August 27, 2015 | Debt.com

But you can retire comfortably if you follow this advice.

Retirement is top concern for many Americans

5 Retirement Assumptions You Can’t Make Anymore

July 30, 2015 | Debt.com

The times have changed. You need to change with them or lose money.

pay off my mortgage with my 401k?

Get Out Of Debt Guy: Should We Take Money Out of Retirement to Pay Off Mortgage?

June 18, 2015 | Steve Rhode

A reader wants to know which option is the best — or least bad.

best retirement accounts

3 Months Later, Is myRA a Worthwhile Investment?

May 19, 2015 | Jess Miller

The federal government is encouraging people to save for retirement. Here’s how to know if the plan is right for you.

millionaires and the middle class

What Millionaires And The Middle Class Have In Common

May 14, 2015 | Jess Miller

Both groups are hesitant to leave behind large inheritances, but not for the reasons you might expect.

Money in Hand

Ask The Expert: What Should I Do With Extra Cash?

April 29, 2015 | Howard Dvorkin, CPA

A reader wants to know what to do with a small windfall. See Howard’s video response.

Gen X early retirement

Gen X Wants to Retire Early. Is It Still Possible?

April 21, 2015 | Jess Miller

Age 64 is their goal, and they’re saving better than their parents for it. But here’s why it’s not practical or smart.

Get the Saver's Credit

Save Up To $2,000 On Taxes With the Saver’s Credit

February 17, 2015 | Brandon Ballenger

Most people don’t know that if you’re saving for retirement on a modest income, the federal government will cut you a break on taxes.

Ruining retirement with bad planning

3 stupid ways we’re ruining retirement

August 25, 2014 | Brandon Ballenger

How is it that your dog has life insurance, but you don’t have a 401(k)?

Should you get out of debt fast or safely?

Ask the expert: Can I get out of debt FAST?

August 6, 2014 | Howard Dvorkin, CPA

A couple argues about how they should pay off their debts: slow and steady or all at once.

MyRAs are the training wheels of retirement saving.

MyRA: Your newest (and easiest and best?) retirement saving option

April 18, 2014 | Brandon Ballenger

Most Americans have little to nothing saved for retirement, so President Obama is busting out the training wheels.