Family savings Have a child or grandchild under 18? What Trump Accounts are, how to claim the free $1,000, and how the money is taxed. Written for parents and grandparents who want the basics of the new children’s savings accounts, without the jargon. $1,000free deposit for children born 2025–2028 $5,000yearly contribution limit per child 18the

Home buying Buying a home soon? How your Roth or pre-tax 401(k) choice, S-corp salary, and profit-sharing show up on a mortgage application. Written for S-corp owners who pay themselves a W-2 salary into a Solo 401(k) and plan to apply for a mortgage in the next year or two. $14,776difference in income on your

Retirement planning Roth 401(k) or Roth IRA? Both grow tax-free. The differences are in the limits, the income rules, and how easily you can reach your money. Written for employees and business owners deciding where their Roth dollars should go, including S-corp owners with a Solo 401(k). $24,500Roth 401(k) limit for 2026 $7,500Roth IRA limit

Retirement planning Roth 401(k) or traditional 401(k)? Same plan, same limit, and one big difference: when you pay the tax. Written for business owners and employees choosing how to make their 401(k) deferrals, including S-corp owners with a Solo 401(k). $24,500shared deferral limit for 2026 $0income limit for either type 1question: tax now or later?

Step-by-step guide Open a Schwab Individual 401(k) for your S-corp and have it ready for your first payroll deferral before year-end. Written for owner-only S-corps. Follow the eight steps to set up the plan, open your pre-tax and Roth accounts, and make your first contributions. 8steps ~1.5 hrsof paperwork and setup $0to open or maintain

S-corp strategy Pay yourself a $16,000 W-2 salary from your S-corp and move nearly all of it, plus a business contribution, into a Solo 401(k). Written for owner-only S-corps. Follow the eight steps to set up the plan, run payroll, and see exactly what it does to your taxes. $18,776into your 401(k) ~$2,500net tax savings

Step-by-step guide Buy U.S. Treasury bills at auction through Vanguard and line up your cash for a home purchase or another big date. Written for first-timers who already have a Vanguard brokerage account. Follow the eight steps, then build a simple ladder for money you’ll need on a known date. 8steps ~15 minof your time

Step-by-step guide Move your emergency fund out of checking and into Vanguard’s Treasury money market fund, from blank screen to earning interest. Written for first-timers, including business owners who already have a Roth IRA at Vanguard. Follow the eight steps in order and you’re done. 8steps ~20 minof your time 3–5business days total Why bother

Retirement planning Invest $7,000 a year in a Roth IRA, reinvest the dividends, and leave it alone for 29 years. Here’s what it could grow to. We use the Vanguard Target Retirement 2055 Fund as our reference, including its 11% average over the last 10 years, and show three possible outcomes. $654K Cautious, 7% a

Step-by-step guide Open a Vanguard Roth IRA and invest your first contribution, from blank screen to fully invested. Written for first-timers, including self-employed business owners. Follow the eight steps in order and you’re done. 8 steps~20 min of your time3–5 business days start to finish The whole process at a glance Setting up a Roth