Is your 401(k) quietly working for you… or quietly working against you? In the first half of this episode, Joe Saul-Sehy, OG, and Neighbor Doug tackle the most common 401(k) slip-ups that even seasoned savers make—and how to turn yours into a retirement-building machine.
Then, in the second half, we turn to a problem many Stackers don’t see coming: going from saving to spending in retirement. Stacker Joel in Cleveland asks how to make the leap without feeling like you’re sabotaging your future. Drawing on OG’s real-world experience guiding clients through this tricky transition and Joe’s research into the psychology of money, we share practical steps to help you spend without guilt, align your withdrawals with your values, and actually enjoy the freedom you’ve worked so hard for.
Here’s what you’ll learn in this episode:
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The most expensive 401(k) mistakes—and how to fix them today
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Why employer matches are truly “free money” (and how to grab them)
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Smart moves for rolling over old 401(k)s and navigating vesting schedules
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The pros and cons of holding company stock in your retirement account
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Why the saving-to-spending switch can feel so uncomfortable—and how to get past it
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A simple mindset shift that helps retirees live more fully without blowing their plan
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How to turn your nest egg into a joy-producing income stream
Whether you’re in the middle of your career or staring down your first year of retirement, this episode will help you protect what you’ve built, optimize your plan, and make the most of your money—without second-guessing yourself.
FULL SHOW NOTES: https://stackingbenjamins.com/common-401-k-mistakes-1720
Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201
Enjoy!
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