Savvy Nickel
If your income is too high for a direct Roth IRA contribution, the backdoor Roth IRA is a legal workaround. Here is exactly how to execute it in 2026 without triggering unexpected taxes.
A SIMPLE IRA is the most common retirement plan at small businesses with fewer than 100 employees. Here is how it works, what the limits are in 2026, and how to tell if your employer's plan is generous or stingy.
A Solo 401(k) lets self-employed individuals contribute far more to retirement than a SEP IRA at most income levels, with a Roth option and loan provisions too. Here is exactly how it works in 2026.
A SEP IRA lets self-employed people and small business owners shelter far more income from taxes than a regular IRA allows. Here is how it works, who it helps most, and when a Solo 401k beats it.