The 401k You Set Up and Forgot About Is Working. The Question Is Whether It's Set Correctly.

You picked 6%. You chose the Target Date Fund. You closed the tab.

That was three years ago. Or seven. Or eleven.

The account is running. It has been running since day one. The question is whether it is running at the right settings.

In this video — the full breakdown of what is actually happening inside the 401k you set up and never touched. And what it is costing you to not know.

What's covered:

→ What a target date fund actually is — and what the glide path does automatically
→ Expense ratios: why 0.75% vs 0.10% costs you $84,000 over 30 years
→ The employer match formula most people have never actually read
→ The $66,000 you leave on the table by contributing 4% instead of 6%
→ Traditional 401k vs Roth 401k — how to know which one applies to you
→ The second rule: defaults are designed for the average. You are not the average.
→ What vesting means — and how it affects the real cost of leaving a job
→ The three types of vesting schedules: graded, cliff, and immediate
→ Your four options when you change jobs — and the one you should almost never pick
→ What cashing out actually costs: $30,000 becomes $19,500
→ The third rule: set up right and ignored is different from set up wrong and ignored.
→ The three-hour audit — hour by hour, exactly what to check
→ What a fee-only financial advisor actually is and when one meeting is worth it
→ The fourth rule: compound interest works in both directions.

No products. No course. No referral links. Just the numbers, laid out.

This channel does not sell courses, products, subscriptions, or financial services.
For personalized advice, consult a fee-only financial advisor: napfa.org
#401k #personalfinance #retirementplanning

Видео The 401k You Set Up and Forgot About Is Working. The Question Is Whether It's Set Correctly. канала No Debt Club