Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future

Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future

By FexingoBusiness
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Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future episodes

  • The Roth Conversion Loophole Most Retirees Miss

    Episode 4 of Retirement Planning with Fexingo digs into Roth IRA conversions — a powerful but often misunderstood strategy. Lucas and Luna break down a real-life case: a 58-year-old engineer with $600,000 in a traditional 401(k) who converts $50,000 per year over five years, paying taxes now to lock in tax-free growth. They explain the five-year rule, the pro-rata rule, and why 2026's lower tax brackets (set to expire in 2027) make this a narrow window. No fluff, no sales pitch — just a concrete playbook for listeners wondering whether to convert before the Tax Cuts and Jobs Act sunsets.

    #RothConversion #RetirementPlanning #TaxStrategy #IRA #401k #RothIRA #ProRataRule #FiveYearRule #TaxCutsAndJobsAct #Sunset #2026TaxBrackets #FinancialPlanning #WealthManagement #TaxEfficiency #FexingoBusiness #BusinessPodcast #Finance #Retirement

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    14 min
  • Why Target-Date Funds Are Not One-Size-Fits-All

    Target-date funds are the default choice in most 401k plans, but they carry hidden risks that many investors don't realize. In this episode, Lucas and Luna break down the specific glide-path assumptions behind a popular 2050 fund, explaining why someone with a high risk tolerance or a pension might be overpaying for exposure they don't need. They discuss a concrete example: a 35-year-old engineer with a stable defined-benefit pension who would be better off building a simple three-fund portfolio instead. The hosts also explore how target-date funds can mask bond-market duration risk, especially in a rising-rate environment like the one we've seen through early 2026. If you've ever wondered whether the 'set it and forget it' approach actually fits your personal financial situation, this episode offers a clear, data-driven reality check.

    #TargetDateFunds #401k #RetirementPlanning #GlidePath #AssetAllocation #BondRisk #DurationRisk #InvestmentFees #ThreeFundPortfolio #RiskTolerance #PensionPlanning #Vanguard #Fidelity #BlackRock #Finance #FexingoBusiness #BusinessPodcast #RetirementFinance

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    7 min
  • Why Most People Leave 401k Money on the Table

    In this episode of Retirement Planning with Fexingo, Lucas and Luna unpack a quiet problem: the majority of 401k participants are not maximizing their employer match. They break down the numbers using Vanguard's 2025 data showing that the average American leaves $1,336 per year in free money. Lucas explains how auto-escalation features, like those at Microsoft and Bank of America, have boosted participation above 90%, and why inertia is the biggest barrier. They also cover the 'stretch contribution' strategy used by tech workers and the new SECURE 2.0 rules making it easier to enroll part-time workers. Luna challenges Lucas on whether the match is always the right priority versus debt repayment. By the end, listeners learn a concrete move: check your plan's match formula and adjust your contribution by at least one percentage point. No jargon, no sales pitch—just a focused conversation on one of the highest-return financial decisions you can make.

    #RetirementPlanning #401k #EmployerMatch #FreeMoney #Vanguard #AutoEscalation #SECURE20 #Microsoft #BankOfAmerica #Inertia #ContributionRate #DeferralRate #FinancialLiteracy #PersonalFinance #FexingoBusiness #BusinessPodcast #Finance #Investing

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    6 min
  • The 401k Fee That Costs You Six Figures Over a Career

    In the first episode of Retirement Planning with Fexingo, Lucas and Luna tackle the single biggest silent killer of retirement savings: investment fees. Using a concrete example of a 25-year-old earning $50,000 with a 1% expense ratio versus a 0.03% index fund, Lucas shows how that tiny-sounding difference can eat $230,000 over 40 years. Luna pushes back on whether chasing the lowest fee always makes sense. They discuss target-date funds, 401k plan menus, and the one fee most people overlook: the plan administration fee. No jargon, no scare tactics—just a clear-eyed look at why a few basis points can mean the difference between retiring at 65 and working another five years. This episode sets the tone for the whole show: specific numbers, real trade-offs, and a focus on what actually moves the needle. Listeners walk away knowing exactly what to look for in their 401k summary plan document this afternoon.

    #401k #RetirementPlanning #InvestingFees #ExpenseRatio #IndexFunds #TargetDateFunds #LucasAndLuna #FexingoBusiness #BusinessPodcast #PersonalFinance #WealthBuilding #CompoundInterest #PlanAdministrationFee #PassiveInvesting #FeeDrag #FinancialLiteracy #RetirementSavings #EpisodeOne

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    8 min

About Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future

From the publisher's feed

Lucas and Luna sit down for a calm, data-driven conversation about retirement planning — specifically the nuts and bolts of 401(k)s, IRAs, and how to build a savings strategy that actually works for your timeline. They start by walking through the mechanics of a traditional 401(k): how contribution limits work, what employer match really means, and why the difference between pre-tax and Roth contributions matters more than most investors realize. Luna pushes Lucas on common pitfalls — like how many people treat their 401(k) as a savings account rather than a long-term growth vehicle, and why cashing out early is almost always a mistake. They then compare the three main IRA types — Traditional, Roth, and SEP — and unpack the income limits, tax implications, and withdrawal rules that can trip up even disciplined savers. Along the way, they reference real-world examples: a hypothetical 35-year-old earning $80,000 and deciding between Roth and Traditional, a self-employed freelancer weighing a SEP IRA versus a Solo 401(k), and a couple approaching retirement who need to rebalance their asset allocation. Lucas and Luna don't just list options — they question assumptions. Should you prioritize your 401(k) match before opening an IRA? Is a backdoor Roth worth the paperwork? And when does 'set it and forget it' stop being a strategy and start being neglect? Whether you're just starting your first job or recalibrating a decade into saving, this conversation will leave you with a clearer sense of which account types fit your specific situation — and what numbers you need to track to stay on course.