Stoia

Retire With Confidence: Accounts, Order, and the Number

Master the U.S. retirement system: which accounts to fund in which order, what your number is, and how to draw it down without fear.

For savers who want a plan, not predictions.

  1. Course step 6Master Your U.S. Retirement AccountsThe map: 401(k), IRA, Roth, HSA, and the order that wastes nothing.
  2. GuideRoth vs. Traditional: The One Question That Decides ItThe one question (your bracket now vs later) that decides the Roth debate.
  3. Free tool401(k) CalculatorProject the balance and never leave employer match on the table.
  4. Free toolRoth vs. Traditional CalculatorRun your own numbers on the Roth question.
  5. Free toolRoth IRA CalculatorProject what steady Roth contributions become, all of it tax-free.
  6. Free toolIRA CalculatorModel a traditional IRA: the deduction now, the tax later.
  7. GuideIRA vs. 401(k): The Differences, and Which One to Fund FirstAccess and control vs match and limits: when you use both.
  8. GuideTraditional vs. Roth 401(k): Same Plan, Two Tax BucketsSame plan, two buckets: the tax-now vs tax-later decision.
  9. Free toolRoth Conversion CalculatorPrice converting pre-tax money in a low-income year.
  10. Free toolRetirement CalculatorThe headline: what you will have, and whether it is enough.
  11. GuideWhat Is Financial Independence? Your FIRE Number and the 4% RuleWhere the 25x rule comes from and what it assumes.
  12. Free toolRetirement Withdrawal CalculatorStress-test the drawdown years before you live them.
  13. GuideSequence of Returns Risk: Same Average, Very Different RetirementsWhy the first retirement years matter more than the average return.
  14. GuideWhen to Take Social Security: A Plain-English Claiming GuideThe claiming-age decision, break-even thinking, and its limits.
  15. Free toolSocial Security Claiming CalculatorSee what claiming at 62 vs 67 vs 70 does to the monthly check.
  16. GuideRMD Rules, Explained: The Withdrawals the IRS Will Not Let You SkipThe withdrawals the IRS eventually requires, in plain words.
  17. Free toolRMD CalculatorKnow the withdrawals the IRS will require in your 70s.

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