2026 Contribution Limits
| Type | Limit |
|---|---|
| Employee contribution | $23,500 |
| Catch-up (50+) | +$7,500 |
| Total (with employer) | $70,000 |
- Contribute to get full employer match (free money)
- Max out IRA ($7,000)
- Return to max 401k
- HSA if eligible
Investment Choices
Simple approach:
- Target date fund (set and forget)
- Matches your retirement year
- 70-90% stocks (younger = more)
- 10-30% bonds
- Rebalance annually
- Company stock (>10%)
- High-fee funds (>1%)