Hosted by Unknown Host · EN · 5 episodes
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Lucas and Luna examine the mechanics of employer-sponsored 401k plans, from matching formulas and vesting schedules to target-date funds and Roth options. Each episode dissects a single aspect of retirement saving: how compounding works on a 30-year timeline, the tax implications of pre-tax vs. Roth contributions, and the behavioral pitfalls that lead to early withdrawals. Lucas explains the regulatory landscape—ERISA fiduciary rules, nondiscrimination testing, and automatic enrollment trends—while Luna presses for real-world examples: how a 26-year-old earning $55,000 should allocate her first 401k, or what happens to a plan when a startup gets acquired. The show is built for employees who want to maximize their employer match and understand their plan's fine print, as well as HR professionals and financial advisors who need to stay current on plan design and participant outcomes. Expect a fact-driven conversation that weighs the Vanguard vs. Fidelity index fund options, compares safe harbor vs. traditional matching, and calculates the true cost of cashing out a 401k early. Lucas and Luna never assume prior knowledge, but they never dumb it down either. By the end of each episode, you'll know exactly what questions to ask your benefits team—and whether your current savings rate is enough to retire at 67.
Unknown Host hosts The 401k Podcast with Fexingo: Employer Retirement Plans, Matching, and Long-Term Saving, a general show with 5 episodes published.
In this episode of The 401k Podcast, Lucas and Luna dig into the Roth 401k option that many plans now offer but few employees fully understand. Using a concrete example of a 30-year-old earning $75,000 a year, they compa
Episode 32 of The 401k Podcast digs into a subtle feature in many retirement plans: automatic contribution escalation. Lucas explains how a seemingly small annual increase—often just one percentage point—can compound int
Lucas and Luna explore the powerful but often overlooked strategy of pairing your 401k with a Health Savings Account. They break down the triple tax advantage—tax-deductible contributions, tax-free growth, and tax-free w
In this episode of The 401k Podcast, Lucas and Luna unpack the 401k hardship withdrawal trap that could derail your retirement. Over 2 million participants take hardship withdrawals annually—often for avoidable reasons.
Episode 29 of The 401k Podcast tackles one of the most misunderstood features of employer retirement plans: the vesting schedule. Lucas and Luna break down how vesting works, why a three-year cliff or five-year graded sc
Starting in 2024, the SECURE 2.0 Act allows employers to make matching contributions to your 401k based on your student loan payments, even if you don't contribute to the plan yourself. In this episode, Lucas and Luna br
Episode 27 of The 401k Podcast with Fexingo dives into the auto enrollment default rate—the percentage of your salary that gets automatically deducted into your 401k when you first join a company. Lucas and Luna explain
In this episode of The 401k Podcast, Lucas and Luna dig into the Qualified Default Investment Alternative, or QDIA — the default fund your 401k plan automatically invests you in if you don't make an active election. Most
Episode 25 of The 401k Podcast with Fexingo dives into the often-overlooked role of the plan fiduciary — the person or committee legally responsible for managing your 401k in your best interest. Lucas and Luna unpack a r
Most 401k participants assume their plan's investment menu is built by objective experts. But many plan sponsors—often HR directors or CFOs with no investment training—rely on advice from brokers who collect hidden reven
In this episode of the 401k Podcast, Lucas and Luna explore a little-used 401k feature: after-tax contributions. Unlike Roth contributions, after-tax contributions can be rolled into a Roth IRA tax-free through an in-pla
Lucas and Luna dig into the fine print of 401k employer matches that take years to fully vest — and the math on how much you actually walk away with if you leave early. Using a concrete example of a 6% match with a six-y
In this episode, Lucas and Luna dig into a hidden cost in many 401k plans: recordkeeping fees that are bundled into investment funds rather than charged transparently. They explain how the Department of Labor's fee discl
Every 401k participant gets a fee disclosure document each year, but almost nobody reads it. Lucas and Luna crack open an actual fee disclosure from a mid-sized company plan to show listeners what's hiding in plain sight
Lucas and Luna explore the self-directed brokerage account (SDBA) option inside many 401k plans. They break down how a window works, the typical fees and restrictions, and when it might outperform a standard fund menu. A
Lucas and Luna dive into the Safe Harbor 401k match, a provision that allows highly compensated employees to max out their contributions without failing nondiscrimination tests. They use a concrete example: a dental prac
Episode 17 of The 401k Podcast with Fexingo. Lucas and Luna dig into a hidden trap lurking inside most employer retirement plans: the default contribution rate. Most plans auto-enroll new employees at just 3%, a number t
In this episode of The 401k Podcast with Fexingo, Lucas and Luna zoom in on target-date fund glide paths—the formula that shifts your portfolio from stocks to bonds as you near retirement. They explain why not all glide
Most 401k participants think they're paying zero investment advice fees. That's usually wrong. Lucas and Luna unpack the managed account service quietly embedded in many employer retirement plans — a feature that auto-en
Most 401k participants name a beneficiary once and never touch it again. Lucas and Luna walk through the specific legal trap: what happens when the named beneficiary is your ex-spouse, a deceased parent, or an outdated t
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The 401k Podcast with Fexingo: Employer Retirement Plans, Matching, and Long-Term Saving is hosted by Unknown Host. The show is categorised under General and has published 5 episodes.
The 401k Podcast with Fexingo: Employer Retirement Plans, Matching, and Long-Term Saving has published 5 episodes.
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Episodes of The 401k Podcast with Fexingo: Employer Retirement Plans, Matching, and Long-Term Saving average 9 minutes. a focused format where a clear narrative arc and tight preparation matter most.
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