Stack Retirement Cash Smart | Durham News

Dave Ramsey drops his ultimate retirement strategy: grab your employer’s free 401(k) match first, then max out your Roth IRA for tax-free growth. After that, boost your 401(k) contributions. Why? Because Roth IRAs let you withdraw tax-free in retirement, while traditional 401(k)s offer upfront tax breaks. For 2026, 401(k) limits are $24,500 ($32,500 if 50+), and Roth IRAs cap at $7,500 ($8,600 if 50+). But beware: high earners (single over $168K, married over $252K) can’t use Roth IRAs — traditional IRAs still work. Smart money moves start here. Listen in comfort:Get a discount on a Soli Pillow: http://solipillow.com/discount/dnn. Advertise on DNN:[email protected] This is an automated, high-level news summary based on public reporting.Report issues to [email protected]. View sources & latest updates:https://sources.thednn.ai/73ac311cd96fe4c9