If Your Income Is Low, the Government Will Add Up to $1,000 to the $2,000 You Save
A Chapter in My Late Start Retirement Journey My older son finished seminary, worked in ministry for a while, and
401(k) and IRA
401(k) and IRA
Practical notes on retirement accounts, contribution strategies, and the decisions I’ve made along the way.
401(k) and IRA
The Backdoor Roth I Thought Was Someone Else’s Problem
The Late Starter · September 12, 2026 I’d heard that high earners aren’t allowed to contribute to a Roth IRA,
401(k) and IRA
Moving My Son’s Accounts Myself
The Late Starter · September 8, 2026 A Chapter in My Late Start Retirement Journey My older son worked a
401(k) and IRA
Two Curves: Salary and Contribution Rate
The Late Starter · September 5, 2026 A Chapter in My Late Start Retirement Journey While sorting through old pay
401(k) and IRA
22%: The Price of Starting Late
The Late Starter · August 30, 2026 A Chapter in My Late Start Retirement Journey It was my first year