Rob Lovaglio and Steven Young break down the essentials of employer 401(k) plans — how to enroll, contribution recommendations, employer matches, investment choices (including target-date funds), tax differences between traditional and Roth contributions, and withdrawal rules. They explain vesting, contribution limits for 2025, and why a 401(k) should be treated as long-term retirement savings rather than an emergency fund. Whether you’re new to workplace retirement plans or want a refresher, this episode makes the 401(k) simple and actionable so you can start making smarter retirement decisions.