Lucas and Luna sit down for a calm, data-driven conversation about retirement planning — specifically the nuts and bolts of 401(k)s, IRAs, and how to build a savings strategy that actually works for your timeline. They start by walking through the mechanics of a traditional 401(k): how contribution limits work, what employer match really means, and why the difference between pre-tax and Roth contributions matters more than most investors realize. Luna pushes Lucas on common pitfalls — like how many people treat their 401(k) as a savings account rather than a long-term growth vehicle, and why cashing out early is almost always a mistake. They then compare the three main IRA types — Traditional, Roth, and SEP — and unpack the income limits, tax implications, and withdrawal rules that can trip up even disciplined savers. Along the way, they reference real-world examples: a hypothetical 35-year-old earning $80,000 and deciding between Roth and Traditional, a self-employed freelancer weighi
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What is Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future?
Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future is a business podcast hosted by Fexingo, with 155 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.
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Fexingo hosts Retirement Planning with Fexingo: 401k, IRA, and Saving for Your Future, a business show with 155 episodes published.
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Episode #161
How to Handle a 401k After You Leave Your Job
Aug 20, 20269 minS4
In this episode of Retirement Planning with Fexingo, Lucas and Luna walk through the critical decision you face when you leave a job: what to do with your 401k. They break down the four main options—leave it, roll it over to an IRA, roll it into your new employer's plan, or cash out—and weigh the pros and cons of each. Using a real-world example of a mid-career professional with $80,000 in a former employer's plan, they show how fees, investment choices, and withdrawal rules can shape your retirement savings. They also cover the 60-day rollover rule, the once-per-year IRA rollover limit, and the important difference between a direct and indirect rollover. Plus, they discuss when cashing out might actually make sense (hint: it's rare) and how to avoid the 10 percent early withdrawal penalty. If you're changing jobs or have an old 401k sitting around, this episode gives you a clear framework for making the best move for your future. #RetirementPlanning #401k #RolloverIRA #JobChange #Finance #Investing #RetirementSavings #IRA #FexingoBusiness #BusinessPodcast #MoneyMoves #WealthManagement #FinancialPlanning #RetirementTips #401kOptions #EarlyWithdrawal #DirectRollover #IndirectRollover Keep every episode free: buymeacoffee.com/fexingo
How to Avoid the Social Security Earnings Test Surprise
Aug 19, 202611 minS4
In this episode of Retirement Planning with Fexingo, Lucas and Luna explore the Social Security earnings test — a rule that can temporarily withhold benefits if you claim early and keep working. Using a real-world example of a 62-year-old teacher earning $60,000 a year, they break down how the test works, why the withholding isn't lost forever, and how benefits are recalculated later. They also discuss strategies like delaying benefits until full retirement age, managing income around the annual limit, and coordinating with spousal benefits. Plus, they explain the special rule for the first year of retirement and how to avoid common pitfalls. This episode is essential for anyone considering claiming Social Security before full retirement age while still earning an income. Tune in for a clear, actionable guide to maximizing your retirement income and avoiding the earnings test surprise. #SocialSecurity #EarningsTest #RetirementPlanning #EarlyRetirement #Benefits #WorkInRetirement #Finance #FexingoBusiness #BusinessPodcast #RetirementIncome #FinancialPlanning #LucasAndLuna #RetirementTips #SocialSecurityBenefits #ClaimingStrategy #FullRetirementAge #SpousalBenefits #RetirementStrategy Keep every episode free: buymeacoffee.com/fexingo
How to Avoid the 10 Percent Early Distribution Penalty Trap
Aug 18, 202614 minS4
In this episode of Retirement Planning with Fexingo, Lucas and Luna dive into the 10 percent early distribution penalty trap that catches many retirees off guard. They explore the specific rule that allows penalty-free withdrawals from a 401k if you leave your job in the year you turn 55, a provision known as the Rule of 55. The hosts break down the eligibility requirements, the differences between 401k and IRA rules, and how to plan withdrawals to avoid unnecessary penalties. They also discuss the practical implications for early retirees and those facing job transitions later in their careers. With concrete examples and a careful look at the fine print, this episode helps you understand whether the Rule of 55 applies to your situation and how to structure your retirement income strategically. Tune in to learn how to keep more of your hard-earned money and avoid a costly mistake. #RuleOf55 #EarlyRetirement #401kWithdrawal #RetirementPlanning #PenaltyFree #RetirementIncome #Finance #Retirement #FexingoBusiness #BusinessPodcast #LucasAndLuna #Podcast #RetirementStrategy #FinancialPlanning #401kRules #EarlyWithdrawal #RetirementTaxes #RetirementSavings Keep every episode free: buymeacoffee.com/fexingo
How to Use a Solo 401k to Boost Retirement Savings
Aug 17, 202614 minS4
Lucas and Luna explore the solo 401k, a powerful retirement tool for self-employed individuals and small business owners. In Episode 158 of Retirement Planning with Fexingo, they break down contribution limits for 2026, the difference between employee and employer contributions, and the potential to save over $70,000 annually. They discuss the importance of adopting the plan before year-end, the flexibility of Roth solo 401k options, and a real-world example of a freelance consultant maximizing tax-deferred growth. Whether you're a side hustler or a full-time freelancer, this episode helps you decide if a solo 401k is your best retirement move. #Solo401k #SelfEmployedRetirement #RetirementPlanning #Finance #FexingoBusiness #BusinessPodcast #401k #RetirementSavings #TaxDeferredGrowth #FreelancerFinance #SmallBusinessOwner #RothSolo401k #ContributionLimits #RetirementTips #RetirementPodcast #LucasAndLuna #RetirementGoals #RetirementIncome Keep every episode free: buymeacoffee.com/fexingo
How to Use a 401k to Build a Generational Wealth Transfer
Aug 16, 202610 minS4
In this episode, Lucas and Luna explore a less-talked-about angle of retirement planning: using your 401k as a tool for generational wealth. They break down the SECURE Act 2.0's 10-year rule, the power of naming beneficiaries, and the strategic use of Roth conversions to leave a tax-free inheritance. With the August 2026 market backdrop, they explain how a well-structured 401k can reduce taxes for your heirs and why the 'stretch IRA' is now legacy. The hosts also share the story of a retiree who used a Roth conversion ladder to pass on a tax-free account, and they offer concrete steps for reviewing your beneficiary designations. If you've ever wondered how to turn your retirement savings into a financial legacy, this episode gives you the roadmap. #RetirementPlanning #401k #GenerationalWealth #InheritanceTax #SECUREAct2 #RothConversion #BeneficiaryDesignation #TaxPlanning #WealthTransfer #LegacyPlanning #Finance #Investing #FexingoBusiness #BusinessPodcast #RetirementSavings #EstatePlanning #TaxFreeIncome #FinancialPlanning Keep every episode free: buymeacoffee.com/fexingo
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