Logo
Search
Home
Archive
Tags
Login
Sign Up
Logo

Archive

Dive into a collection of past posts and rediscover timeless content.
401(k) vs. IRA: What's the Real Difference?

Sep 16, 2026

•

12 min read

401(k) vs. IRA: What's the Real Difference?

Both accounts can hold the exact same fund. The real difference is the wrapper, and it decides how much you can save, whether your employer adds money, and when you can touch it without a penalty.

Penny Brief
Penny Brief
Do You Need Annual RMDs on an Inherited IRA?

Sep 16, 2026

•

13 min read

Do You Need Annual RMDs on an Inherited IRA?

Sometimes yes, sometimes no, and the answer hangs on one fact about the person who died. Get it wrong and the IRS charges a 25% excise tax, or you hand yourself a six-figure tax bill in year ten.

Penny Brief
Penny Brief
Can You Have a 401(k) and an IRA at the Same Time?

Sep 16, 2026

•

12 min read

Can You Have a 401(k) and an IRA at the Same Time?

Yes: both, in the same year, no permission needed. The only thing your 401(k) can touch is whether your IRA contribution is deductible. Here is where the two accounts actually collide, and where they don't.

Penny Brief
Penny Brief
401(k) Options After Leaving Your Job

Sep 16, 2026

•

13 min read

401(k) Options After Leaving Your Job

You keep the house, the balance grows instead of shrinking, and three obligations decide whether you stay. Here is the machine, explained plainly.

Penny Brief
Penny Brief
Annuities Explained: How They Work and Who Needs One

Sep 16, 2026

•

11 min read

Annuities Explained: How They Work and Who Needs One

You hand over a lump sum and get a paycheck for life. That is the good version. Five other products share the name and almost nothing else.

Penny Brief
Penny Brief
Self-Directed IRA Rules: What You Can and Cannot Own

Sep 16, 2026

•

10 min read

Self-Directed IRA Rules: What You Can and Cannot Own

Real estate, private companies and notes inside an IRA. The freedom is real. So are the prohibited transaction rules that can vaporize the whole account.

Penny Brief
Penny Brief
Roth Conversions Explained: When They Make Sense

Sep 16, 2026

•

12 min read

Roth Conversions Explained: When They Make Sense

You pay tax now to avoid tax later. That is the whole idea. Everything else is figuring out whether your future rate is higher than your current one.

Penny Brief
Penny Brief
401(k) Rollovers Explained: What Happens to Your Money

Sep 16, 2026

•

12 min read

401(k) Rollovers Explained: What Happens to Your Money

Four choices, one irreversible mistake, and a 20% withholding trap that catches people every year. Here is what actually happens to the money.

Penny Brief
Penny Brief
Gold IRAs Explained: What Retirees Need to Know

Sep 16, 2026

•

11 min read

Gold IRAs Explained: What Retirees Need to Know

A real IRA with real IRS rules, plus a custodian, a depository and a fee stack nobody explains. Here is how a gold IRA actually works before you open one.

Penny Brief
Penny Brief
Load more

Privacy Policy · Terms of Service · Affiliate Disclosure

© 2026 Penny Brief.
beehiivPowered by beehiiv