Is Your 401(k) a Mess? Do This Now (Step-by-Step Guide) | Bill & Jackie | 205

About this episode

The episode provides a step-by-step guide to cleaning up a messy 401(k) to improve retirement savings.

April is Financial Literacy Month and we're starting a little early! That's because we are so excited to launch a new project called "The Great 401(k) Cleanup." What if the easiest way to boost your retirement odds this year isn't reducing your spending or a side hustle, but cleaning up that messy, confusing 401(k) you've been ignoring? We are using Financial Literacy Month to launch a full-on 401(k) intervention with a step-by-step guide including: Access From Home Contributions Beneficiaries Investments Rate of Return What's Next 401(k)s and similar workplace plans like the TSP, 403(b), and 457 have become the backbone of retirement for most Americans. Yet they are often confusing and complicated to the average employee. No wonder so many accounts get neglected and become messy over time. The good news is that 2026 can be the year you clean it all up. This friendly and straightforward guide was created independent of any employer or plan provider, and will help you get going. By the time you're done you'll better understand your 401(k) and feel more empowered to use it as a real tool to build wealth and support your money goals. This episode covers: ➡️ How to clean up a messy…

People in this episode

Hosts: Bill Yount, Jackie Cummings Koski

Topics covered

• 401(k) management
• financial literacy
• retirement planning
• investment strategies
• cleaning up finances

Keywords

• 401(k)
• financial literacy
• retirement
• investment
• savings rate
• employer match
• target date funds

Mentioned in this episode

Organizations: The Great 401(k) Cleanup, 401(k), TSP, 403(b), 457

More episodes of Catching Up to FI

• The Fog of FI: Overcoming the Fear of Quitting Your Job | "The Long View" Crossover | 211 · April 29, 2026 · 1h 5m
• Hot Takes & Money Debates: Social Security at 62, New Trump Accounts, & more! | Bill & Jackie | 210 · April 26, 2026 · 1h 5m
• Why 90% of Families Lose Their Wealth (and How to Stop the Cycle) | Julia Myers | 209 · April 19, 2026 · 1h 1m
• 20 Questions from 20-Somethings About Money | Dr. DeLong, Emilie Stewart. Britton Carver | 208 · April 12, 2026 · 1h 10m
• Financial Literacy 101: Live Inside the Classroom at University of Tennessee | Bill & Jackie | 207 · April 8, 2026 · 45 min
• I Have a PhD in Business but Never Had a Personal Finance Class | Dr. Karen DeLong | 206 · April 5, 2026 · 36 min