Retirement Library

Deep-dive guides to 2025 retirement rules, IRS limits, and the tax strategies most savers never use. Updated as the law changes.

• Limits & Rules

  2025 IRS Retirement Contribution Limits: The Complete Guide

  Every 2025 IRS retirement contribution limit in one place — 401(k), IRA, HSA, SEP, SIMPLE, 457(b), and the new SECURE 2.0 super catch-up for ages 60–63.

• Strategies

  Mega Backdoor Roth: How High Earners Save Up to $46,500 More Per Year

  The mega backdoor Roth lets high earners contribute up to $46,500 of after-tax money to a 401(k) and convert it to Roth — tax-free growth for life.

• Limits & Rules

  SECURE 2.0 Super Catch-Up (Ages 60–63): An Extra $3,750 You Probably Missed

  Starting in 2025, savers ages 60, 61, 62, and 63 can contribute an extra $11,250 catch-up to their 401(k), 403(b), or 457(b) instead of the standard $7,500.

• Strategies

  HSA: The Only Triple Tax-Advantaged Account in the Tax Code

  A Health Savings Account is the only account where contributions, growth, and qualified withdrawals are all tax-free. Here is how to use one as a stealth retirement account.

• Strategies

  Backdoor Roth IRA: Step-by-Step for High Earners

  A clean four-step walkthrough of the backdoor Roth IRA, the pro-rata rule trap, and how to avoid the tax mistake that wrecks most do-it-yourself attempts.

• Self-Employed

  Solo 401(k) vs. SEP IRA: Which Should the Self-Employed Choose?

  Solo 401(k) vs. SEP IRA compared head-to-head: contribution limits, Roth availability, loans, paperwork, and the income level where each one wins.