Retirement

How does a SIMPLE IRA work? You defer up to $17,000 of pay in 2026 and your employer adds a 3% match or 2% of pay. Here are the limits, rules, and penalties.

A SEP IRA lets your business contribute the lesser of 25% of pay or $72,000 for 2026. Here is how it works, who qualifies, and how to open one.

How does a solo 401k work? You save as employee and employer, up to $24,500 in deferrals and $72,000 combined in 2026, if you have no employees.

A mega backdoor Roth moves up to $72,000 into tax-free Roth accounts in 2026 by converting after-tax 401(k) contributions, far past the $24,500 deferral limit.

An HSA can work as a retirement account when you invest it instead of spending it. Here’s the triple tax break, the 2026 contribution limits, and the receipt trick that pays off decades later.

Here’s everything you need to know about a Roth IRA for beginners: 2026 contribution limits of $7,500, income phase-out rules, how to open one, and what to invest in once you do.