Plan Your Retirement Contributions

FinanceIntermediateHome

90 minutes

5 steps

·Intermediate

After 90 min: Set up automated retirement savings and maximize employer match

What you need

employer benefits infocalculator

The 90-Minute Plan

Review Your Options0–15 min

Check if your employer offers 401k, 403b, or pension. Find the employee handbook or HR portal.

Understand Matching15–35 min

Find the employer match percentage. If they match 3%, contribute at least 3% to get free money.

Calculate Your Contribution35–55 min

For 2026, the 401k limit is $24,500. Calculate what % of salary you can afford to contribute.

Choose Your Investments55–75 min

Select fund options inside your 401k. Choose a target-date fund matching your retirement year for simplicity.

Enroll and Confirm75–90 min

Submit your enrollment through HR or the provider's website. Verify the percentage on your next paystub.

Pro Tip

A 401k grows tax-deferred. Starting at 25 vs 35 doubles your retirement savings.

90 min·5 steps

FinanceIntermediate

After 90 min: You'll have a written retirement plan with specific savings targets and timelines.

8,900

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1,800

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After 90 min: File accurate tax returns without paying an accountant

3,200

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After 90 min: Secure a 5-10% salary increase with confidence

2,750

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