The 401k Podcast with Fexingo: Employer Retirement Plans, Matching, and Long-Term Saving

Episode 4 of The 401k Podcast with Fexingo dives into a tax strategy that most employees overlook: the Roth 401k vs. traditional 401k decision, and specifically how to use a Roth 401k when your tax bracket is lower now than it will be in retirement. We start with a real-world example: a 28-year-old engineer earning $85,000 a year in 2026, whose employer offers both pre-tax and Roth 401k options. L...

Episode 3 of The 401k Podcast with Fexingo tackles 401k leakage—the quiet drain of retirement savings through early withdrawals, hardship distributions, and loan defaults. Lucas and Luna break down a Vanguard study showing that 40% of participants who take a loan eventually default, and how the average leakage rate of 1.5% per year can slash retirement balances by 25% over a career. They discuss w...

In this episode of The 401k Podcast, Lucas and Luna explain why leaving a 401k with a former employer is often a costly mistake. They walk through the mechanics of a rollover IRA, breaking down the difference between direct and indirect rollovers and the 60-day rule that trips up one in five transfer attempts. Using a specific example of a $47,000 balance earning 6.5 percent over 25 years, they sh...

In the debut episode of The 401k Podcast, Lucas and Luna unpack the single most important number in employer retirement plans: the vesting cliff. Using Fidelity's 2025 data showing that 42% of workers leave unvested match dollars on the table, they explain how a three-year cliff can cost a saver $7,600 in lost employer contributions. Luna questions whether automatic enrollment has made the problem...