The 401k Fee That Costs You Six Figures Over a Career

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 makes sense. They discuss target-date funds, 401k plan menus, and the one fee most people overlook: the plan administration fee. No jargon, no scare tactics—just a clear-eyed look at why a few basis points can mean the difference between retiring at 65 and working another five years. This episode sets the tone for the whole show: specific numbers, real trade-offs, and a focus on what actually moves the needle. Listeners walk away knowing exactly what to look for in their 401k summary plan document this afternoon. #401k #RetirementPlanning #InvestingFees #ExpenseRatio #IndexFunds #TargetDateFunds #LucasAndLuna #FexingoBusiness #BusinessPodcast #PersonalFinance #WealthBuilding #CompoundInterest #PlanAdministrationFee #PassiveInvesting #FeeDrag #FinancialLiteracy #RetirementSavings #EpisodeOne Keep every episode free: buymeacoffee.com/fexingo