Quick Read The 4% rule assumes a 30-year retirement horizon with a balanced stock-bond portfolio. Ramsey’s 8% rule requires a ...

A 401 (k) is designed for retirement, not short-term emergencies. The baseline rule is this: withdraw money before age 59½, ...

Finance expert Dave Ramsey has a lot of unconventional takes. For example, he believes that you don’t need to care about your ...

One way to mitigate this issue is to keep some portion of your portfolio in cash or short-term bonds to meet short-term needs ...

A large portion of employees withdraw their entire 401(k) balance when they leave a job rather than rolling it over to their ...

The rules for these employer-sponsored retirement plans are once again being adjusted a bit to reflect inflation.

Morningstar’s new analysis suggests retirees can start with one withdrawal rate and adjust for inflation, but taxes, fees, ...

As of 2025, the average 401(k) balance for Americans in their 50s is around 490,000 dollars. That means a 54-year-old with 4 ...

The SECURE acts introduced several major changes to RMDs over the last few years. The changes impact both retirees and those ...

When times are tough and household budgets are under severe strain, taking cash out of your 401(k) plan can provide some relief. However, it’s best to be cautious, as there are specific rules related ...

There's typically a 10% early withdrawal penalty if you take money out of your 401(k) before turning 59 1/2. The IRS does offer some exceptions to this rule. Even if you qualify for an exception, ...