401(k) guide topic
401(k) Basics
Clear answers, practical examples, and carefully labeled public-plan evidence.
401(k) vs. 457(b): Limits, Withdrawals, Matching and Key Differences
A governmental 457(b) looks a lot like a 401(k), but one difference is huge: its deferral limit is generally separate, and early distributions after leaving the employer usually avoid the 10% additional tax.
10 min read →Jun 26, 2026401(k) vs. Pension: Which Retirement Benefit Is Actually Better?
A pension promises a benefit formula; a 401(k) gives you an account balance. Neither is automatically better—the value depends on the formula, employer money, vesting and how long you stay.
11 min read →May 22, 2026401(k) vs. IRA: Which Should You Prioritize for Retirement?
A 401(k) is tied to work; an IRA is yours. The better first account depends on employer match, plan quality, contribution room and which IRA rules apply to you.
11 min read →May 8, 2026What Is a 401(k) and How Does It Work?
A 401(k) is a workplace retirement plan that combines payroll saving, tax advantages, investments and often employer contributions. Here is what matters in practice.
12 min read →May 1, 2026401(k) vs. 403(b): What's the Difference?
A 401(k) is not automatically better than a 403(b), or vice versa. The employer type differs, while contribution limits and many core features are surprisingly similar.
10 min read →