About Retirement Planning: Ready? OK! Go 401(k)!

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Retirement Planning Retirement Planning Quick Start How to Save Retiring From Melissa Phipps, your Guide to Retirement Planning I was not a cheerleader in high school, but I might have been. I'm loud and sometimes in your face, and when I like something I get filled with irrepressible spirit. Rah! I don't have a team or a player to root for, but I am a fan of retirement plans. So let's hear it for the 401(k). Yay! I hope you regular readers are already 401(k) fans as well. If you know someone whose savings could use a booster, feel free to pass this newsletter along. Understand Your 401(k) Plan "401, 401, that's our plan. If it can't do it, nothing can!" If you have a 401(k) at work, you have access to an important retirement planning tool. It offers upfront tax benefits and tax-deferred investing, a total win-win. And if your employer matches some of the money you put in, it's a win-win-win. Find out more about what makes a 401(k) the MVP. See More About:  401ks  retirement accounts  401k contribution limits 401(k) Contribution Limits for 2012 "Push 'em back, push em back, waaaaay back!" As good as the 401(k) is, there are limits. For example, there are maximum amounts that you can sock away each year. They change slightly over time, so look alive and keep up with them. See More About:  401k contribution limits  simple ira contribution limits  roth 401k contribution limits 9 Things to Know About 401(k) Loans "Give me an L. Give me an O. Give me an A. Give me an N. That spells loan." No exclamation mark here, because I'm not crazy about 401(k) loans. But if you have nowhere else to turn and you are considering borrowing against your retirement, find out how to avoid a fumble. See More About:  401(k) loans  401(k)s  retirement accounts What if You Take Your 401(k) Money Early? "401s rule! 401s rock! Without it you'd just have a bag of rocks!" One of the things I love about my 401(k) is that it exists. I didn't try too hard, think about it too much or sacrifice anything, and yet I have some net worth. If I had pulled the money out early it where would it be? Gone like the rest of my lifetime income. Plus, there would be taxes to pay. Retirement Planning Ads 401K Retirement Plan Ira Retirement Plan Planning Retirement Ira Retirement Plans Retirement Plan 401K Featured Articles Retirement Planning for Couples How Much to Save for Retirement Emergency Retirement Planning Understand Rollover IRAs Take Advantage of Your 401(k) Match Have a 401(k)? Add a Roth IRA   More from About.com Bake Sale Bestsellers Make your next bake sale a profitable one with these irresistible recipes. More> Real Recipes app Download our highly-rated app for free recipes and kitchen tools, for iPhone and iPod Touch. More> This newsletter is written by: Melissa Phipps Retirement Planning Guide Email Me | My Blog | My Forum   Sign up for more free newsletters on your favorite topics You are receiving this newsletter because you subscribed to the About.com Retirement Planning newsletter. If you wish to change your email address or unsubscribe, please click here. About.com respects your privacy: Our Privacy Policy Contact Information: 249 West 17th Street New York, NY, 10011 © 2012 About.com   Must Reads Make Sense of Retirement Accounts Roth IRA Contribution Limits 2012 What To Do With Those Old 401(k)s IRA Contribution Limits 2012 Before You Take a 401(k) Loan Advertisement