If You Have a 401k, Check These 4 Things Before It's Too Late

Your 401k provider will never call you to tell you that you're leaving money on the table. In this video, I break down 4 specific mistakes hiding inside most 401k accounts right now, what each one is actually costing you in real dollars, and exactly what to do about each one today. We cover the employer match most people underfund without realizing it, the vesting schedule that can quietly cost you thousands if you change jobs, the difference between contributing a percentage versus a dollar amount under the 2026 IRS limits (including the brand new high-earner Roth catch-up rule), the traditional vs. Roth decision and how it interacts with required minimum distributions and Medicare IRMAA surcharges, and the investment fees sitting in your account that could cost you six figures over a career. If you're within 10-15 years of retirement and want help putting your 401k strategy, Roth vs. traditional balance, and Social Security timing into one coherent retirement income plan, book a free strategy call using the link below. ⏱️ WHAT YOU'LL LEARN – How to confirm you're capturing your full employer 401k match – Why your vesting schedule matters more than you think before changing jobs – The 2026 401k contribution limits, catch-up amounts, and the new high-earner Roth rule – How the traditional vs. Roth decision affects your taxes in retirement – How required minimum distributions and IRMAA can quietly raise your Medicare premium – Why a 0.6% fee vs. a 0.04% fee can cost you over $100,000 over time ⚠️ DISCLAIMER This video is for entertainment and informational purposes only and does not constitute financial, tax, or legal advice. Please consult a licensed financial advisor, CPA, or attorney regarding your specific situation before making any decisions about your retirement accounts. #401k #RetirementPlanning #PersonalFinance #RothVsTraditional #RetirementSavings #FinancialPlanning #IRMAA #MedicarePlanning SUBSCRIBE for new videos every week breaking down Social Security, Medicare, and retirement finance in plain English