Retirement Accounts
GPF 203 · Module 1
This module explains the main tax-advantaged accounts used for retirement saving, including 401(k)s, traditional IRAs, Roth IRAs, and Roth 401(k)s. Students learn how employer matching works, how tax treatment differs across accounts, and why contribution limits and Roth conversions matter.
Lessons in this module
The 401(k) and Employer Matching
A 401(k) is a workplace retirement account that lets employees invest part of their paycheck. This lesson explains employee contributions, employer matching, vesting, tax treatment, and why the match is often the first retirement priority.
Traditional vs. Roth IRA
Traditional and Roth IRAs are individual retirement accounts with different tax advantages. This lesson compares how contributions, withdrawals, tax rates, and flexibility affect the decision.
Contribution Limits and Roth Conversions
Retirement accounts have annual contribution limits, catch-up rules, and tax consequences. This lesson explains limits conceptually, catch-up contributions, Roth conversions, and when converting can help or hurt.
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