Fexingo

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

Business EN ↓ 104 episodes

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 c...

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Fexingo

Episodes

The Roth Conversion Loophole Most Retirees Miss 22.05.2026 13:25

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 br...

Why Target-Date Funds Are Not One-Size-Fits-All 21.05.2026 6:53

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...

Why Most People Leave 401k Money on the Table 21.05.2026 5:58

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 par...

The 401k Fee That Costs You Six Figures Over a Career 19.05.2026 7:32

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 ma...