Money Guy Show Americans Are Saving At An All-Time High! Are You Keeping Up?
Oct 29, 2025
Savings are soaring in the U.S., with more people contributing to their 401(k)s and opting for Roth accounts. Small contributions can lead to significant long-term gains. Auto-enrollment plays a key role in boosting participation. Listeners ask about strategies like dollar-cost averaging and career changes at various life milestones. The hosts provide insight into optimizing employer plans and navigating financial challenges, while also sharing some fun tidbits about Disney. It's a lively discussion packed with valuable financial advice!
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Record 401(k) Participation And Rising Deferrals
- Vanguard's How America Saves 2025 shows record-high 401(k) participation and increased deferrals.
- 82% of eligible employees enroll and 45% increased their deferral from the prior year.
Raise Contributions By Just 1%
- Increase your 401(k) deferral by even 1% because small changes compound massively over time.
- Use time as your ally; small recurring contributions make a big long-term difference.
Roth Adoption Is Increasing
- Roth contributions are growing: 18% of participants now make Roth contributions in their plans.
- Roth offers tax-free growth that can be especially powerful for younger savers.
