Скачать или смотреть Are You Maximizing Your 401k? Find Out Now!

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In this video, I'll show you how to actually maximize your 401(k) in 2025—including a brand new rule that could let you save an extra $11,250 if you're between 60 and 63 years old. By the end, you'll know exactly which strategies will boost your retirement savings and which common mistakes are quietly costing you tens of thousands.

Most people are leaving money on the table without even knowing it. I break down real 401(k) maximization strategies that actually work in 2025—from getting your full employer match (it's literally free money) to understanding new enhanced catch-up contributions, avoiding fee vampires, and the sneaky "true-up" timing issue that could cost you thousands.

Don't forget to subscribe to Fifty Cents of Advice for more retirement planning tips and financial wisdom delivered with zero BS—new videos every week!

💳 TRAVEL REWARDS CARDS I USE (REFERRAL LINKS)
Chase Sapphire Preferred® / Reserve®
Earn up to 125,000 points (Reserve) or 75,000 (Preferred) when approved.
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American Express Platinum
Airport lounge access, travel credits, and strong rewards.
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Capital One Venture X
Simple 2x rewards on everything, lounge access, easy redemptions.
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⚠️ IMPORTANT: Only use rewards cards if you're NOT carrying high-interest debt and already hitting your 401(k) match. Pay in full monthly!

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LifeLock Identity Protection
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Travelex Travel Insurance
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💡 KEY TAKEAWAYS:
✅ 2025 limit: $23,500 (up from $23,000)
✅ Ages 50+: $7,500 catch-up ($31,000 total)
✅ Ages 60-63: $11,250 catch-up ($34,750 total!)
✅ Employer match = 50-100% instant return
✅ Index funds beat high-fee target-date funds
✅ Check "true-up" feature before maxing early
✅ Rebalance to prevent unnecessary risk
✅ 1% annual increases = massive long-term gains
✅ Consider Roth vs Traditional based on taxes

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⚠️ DISCLOSURES:
Affiliate Disclosure: Links may earn me commissions at no extra cost to you, including credit card referral bonuses. This supports free content creation. Thank you!

Content Disclaimer: Educational purposes only, not professional financial advice. Consult a qualified financial advisor before making decisions. I'm not a CFP, investment advisor, or tax professional. All investments carry risk, including loss of principal.

Tax Disclaimer: 2025 limits are accurate as of recording but subject to change. Consult a tax professional for your situation.
All contribution limits and rules cited are accurate as of the 2025 tax year.

Thanks for watching! I'm Eli Pennywise, and that's your fifty cents of advice—keep the change!