#603 3 Year-End Retirement Account Deadlines You're Not Thinking About
whatshot 11 snips
Nov 28, 2025
Discover three crucial year-end retirement deadlines that could potentially double your savings! Learn how to maximize employer contributions to your 401(k) and explore the powerful Mega Backdoor Roth strategy for substantial tax-free growth. Hear about leveraging after-tax contributions, especially from oil rig workers, to rapidly fund Roth IRAs. Plus, find out how high earners can smartly approach conversions to avoid tax pitfalls, and even how to kickstart your kids’ Roth IRAs using their earned income. Don't miss out on these wealth-building insights!
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volunteer_activism ADVICE
Capture Your Full 401(k) Match
Call HR immediately and confirm how much you've contributed and how much employer match you have for the year.
Contribute the remaining amount to your 401(k) by December 31 to capture the full employer match.
volunteer_activism ADVICE
Use The Mega Backdoor Roth
Ask your plan administrator if your 401(k) allows after-tax contributions that can be rolled to a Roth.
Use the Mega Backdoor Roth to move up to the plan limit (about $70k for 2025) into Roth dollars before year end.
question_answer ANECDOTE
Oil Rig Workers' Mega Roth Trick
Mat and Mark share an oil-rig worker client story who used after-tax 401(k) contributions to create large Roth balances.
The workers contributed extra after-tax dollars and then converted them to Roth the next day.
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These three retirement deadlines before December 31, 2025, could literally double your money overnight, unlock up to $70,000 of Roth contributions, and turn your accounts into a tax-free ATM for your future! In this episode of the Main Street Business Podcast, Mat Sorensen and Mark J. Kohler break down powerful, little-known 401(k) and Roth strategies that most employees and small business owners are completely missing.
You’ll learn how to “match & out” your workplace 401(k) so you don’t leave free employer money on the table, how the Mega Backdoor Roth works using after-tax contributions inside your 401(k), and why high earners and oil rig workers were among the first to exploit it. The guys also cover critical year-end deadlines for setting up a solo 401(k), how to snag valuable small business tax credits, and smart ways to structure Roth conversions so you don’t accidentally bump yourself into a much higher tax bracket. They even touch on using your kids’ earned income to fund their own Roth IRAs and create generational tax-free wealth.
If you want to keep more of what you make, grow your retirement accounts faster, and stop relying on Wall Street or your employer to “save” you, this episode is your year-end checklist.
Listen to the end, then hit subscribe for more tax and wealth-building strategies, drop your questions in the comments, and share this with a friend or family member who needs to take control of their retirement before the year is over!
You’ll learn:
How to avoid missing the three major retirement account deadlines coming up before December 31, 2025
Why doing a “match & out” on your employer 401(k) can instantly increase your contributions using free employer funds
How the Mega Backdoor Roth works inside a 401(k) and why it allows up to $70,000 in Roth contributions
Why high-income earners, including oil rig workers, were early adopters of after-tax 401(k) strategies
The exact deadlines and setup requirements for opening and funding a Solo 401(k) for small business owners
How to use Roth conversions strategically without accidentally jumping into a higher tax bracket
How to use earned income for your children to fund their own Roth IRAs and create long-term tax-free wealth
Get a comprehensive tax consultation with one of our Main Street tax lawyers that can build a tax strategy plan with an affordable consultation that will leave you speechless!!
Here’s the link - https://kkoslawyers.com/services/comprehensive-bus-tax-consult/?utm_source=buzzsprout&utm_medium=description-link&utm_campaign=main-street-business-podcast&utm_content=msbp603-3-year-end-deadlines
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