Retirement & 401(k)
Free money and the magic of starting early
What a 401(k) actually is, why an employer match is free money, Roth vs traditional, and how compound growth turns small contributions into real wealth.
3 lessons · about 24 minutes total · 100% free
Saved on this device only — no account needed.
1. What a 401(k) is — and why the match is free money
The 401(k) is the most valuable employee benefit most people ignore. Learn how it works, what an employer match really pays you, and why skipping it is turning down a raise.
8 min read
2. Roth vs traditional — pay taxes now or later?
Every retirement account comes in two tax flavors. The right choice hinges on one question: is your tax rate higher today, or will it be higher in retirement?
8 min read
3. Compound growth — why starting at 22 beats starting at 32
Compound interest pays you on your past earnings, not just your savings. See the real math behind the Rule of 72 — and why ten years of waiting can cost $345,000.
8 min read