72: How to Maximize Your 401K Benefits

The Sugar Daddy Podcast

This episode dives deep into understanding your 401K and retirement options through employers, emphasizing the importance of maximizing contributions, especially around employer matches. Key topics include auto-enrollment processes, investment options, Roth vs. pre-tax contributions, and what to do when changing jobs or needing to access funds.
• Importance of understanding employer matches
• Differences in auto enrollment versus manual enrollment
• Contribution percentages and how to adjust them
• Vesting periods and their impact on your retirement savings
• How to choose investments within your 401k
• Exploration of pre-tax and Roth contributions
• Loan and hardship withdrawal options
• Considerations when leaving an employer and rolling over your 401k
• Guiding principles on retirement planning and strategy
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章节

1. Maximizing Your Employer Retirement Plan (00:00:00)

2. Maximizing 401k Investment Options (00:08:09)

3. Planning Your Retirement Savings Contributions (00:14:14)

4. Understanding Access and Rollover Options (00:21:12)

5. Maximizing Financial Education and Resources (00:29:25)