What a Good 401(k) Actually Looks Like in 2026

Описание: You can be saving consistently and still have a 401(k) that isn’t set up the right way for retirement. As rules change in 2026, contribution limits are only part of the picture. How your money is invested, how much risk you’re really taking, and how your savings are taxed can matter just as much over time.

In this video, Tommy walks through what a good 401(k) actually looks like in 2026, including recent rule changes, Roth catch-up contributions, risk tolerance, fund selection, and why taxes in retirement often deserve more attention than people expect. The goal isn’t to over-optimize, but to make sure your 401(k) aligns with where you are in life and where you’re headed next.

Book a time with Tommy → https://form.typeform.com/to/PZWFgVMq

Timestamps:
0:00 Intro
0:20 What's Actually Changing in 2026
1:29 The Roth Catch-Up Rule
2:23 Real Life Example
3:24 Why Risk is So Important
5:57 How to Choose the Right Mutual Funds
7:27 Why Target-Date Funds Exist
8:45 Self-Directed Brokerage Account
10:37 Big Takeaways
11:22 What You Can Do & Outro

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The strategies, case studies, and examples discussed are hypothetical and provided solely for illustrative and educational purposes. They do not reflect actual client outcomes and are not guarantees of future results. All investing involves risk, including the potential loss of principal.

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