Marc Guberti

Marc Guberti is a personal finance writer who has written for US News & World Report, Business Insider, Newsweek and other publications. He also hosts the Breakthrough Success Podcast which teaches listeners how to use content marketing to grow their businesses.

Marc Guberti | Jun 19, 2026 at 6:16 PM EDT

The $2.3 Million 401(k) Tax Trap: Why Maxing Out Costs You $64,000 in Retirement

A reader on a Bogleheads forum recently posed the question that frames this entire piece: at 58 with $2.3 million…

Marc Guberti | Jun 19, 2026 at 1:16 PM EDT

SECURE 2.0 Changes Force High Earners to Rethink 401(k) Strategy. Here’s the Math.

A reader on a Bogleheads forum recently posed the question that frames this entire piece: at 58 with $2.3 million…

Marc Guberti | Jun 19, 2026 at 9:16 AM EDT

The $3.2 Million 401(k) Tax Surprise: RMDs Trigger a 40% Effective Rate Retirees Never See Coming

A 72-year-old widower with $3.2 million in his old employer 401(k) walks into his advisor’s office in June 2026 with…

Marc Guberti | Jun 18, 2026 at 5:16 PM EDT

The IRMAA Surprise That Costs 401(k) Holders $1,783 a Year in Hidden Medicare Premiums

A 63-year-old with $1.4 million in a traditional 401(k) starts running Roth conversion projections at the kitchen table. The plan…

Marc Guberti | Jun 18, 2026 at 1:16 PM EDT

A 62-Year-Old With $35,000 in Leftover 529 Funds Can Build $524,000 by Age 62. Here’s How.

A 62-year-old with a $1.6 million 401(k) balance and a graduated child often discovers a stranded asset: a 529 account…

Marc Guberti | Jun 18, 2026 at 9:16 AM EDT

Back-Loading Your Inherited 401(k) After 56 Could Save You Nearly $140,000 in Lifetime Taxes

A 58-year-old reader on a Bogleheads thread last month described the moment her mother’s $1.5 million traditional 401(k) landed in…

Marc Guberti | Jun 17, 2026 at 5:16 PM EDT

Tech Executives Use This $700,000 401(k) Strategy to Build Tax-Free Retirement Income

A post on r/FIREyFemmes earlier this spring captured the scenario well: a tech professional with annual RSU vests, a 401(k)…

Marc Guberti | Jun 17, 2026 at 12:16 PM EDT

Have a $450,000 401(k) and Want to Donate to a Charity? Make Sure You Do This Before Year-End

A 62-year-old couple in Charlotte posted to Bogleheads last winter asking why their $25,000 in annual charitable gifts had produced…

Marc Guberti | Jun 17, 2026 at 9:16 AM EDT

A $1.6 Million 401(k) and Survivor Benefits Can Cost You Thousands More as a Single Filer

The scenario shows up in Bogleheads threads every month: a 73-year-old widow, husband gone six months, looking at a $1.6…

Marc Guberti | Jun 15, 2026 at 4:24 PM EDT

Roth Conversions Between 62 and 70: The $600,000 Tax Hack That Could Save You Tens of Thousands

A 64-year-old retires in 2026 with $1.4 million in a traditional 401(k), a paid-off house, and Social Security he plans…

Marc Guberti | Jun 15, 2026 at 11:24 AM EDT

The $750,000 401(k) Mistake That Quietly Costs Beneficiaries $120,000 in Excess Taxes

A 58-year-old posted on Reddit’s tax forum last fall that his father had left him a $750,000 401(k), and the…

Marc Guberti | Jun 15, 2026 at 8:24 AM EDT

High Earners With $1 Million+ 401(k)s Can Still Build Roth Assets in 2026

A 58-year-old anesthesiologist on r/HENRYfinance posted last month with a problem familiar to anyone earning above the Roth IRA phase-out:…

Marc Guberti | Jun 14, 2026 at 5:24 PM EDT

The 401(k) Move For 60-Year-Olds That Saves Six Figures in Lifetime Taxes: SECURE 2.0’s Hidden Roth Advantage

The conversation in the 401(k) plan office sounds the same across the country this year. A 60-year-old earning $180,000, holding…

Marc Guberti | Jun 14, 2026 at 11:24 AM EDT

The $1.5 Million 401(k) Tax Trap: How Bracket Smoothing Saves Retirees From 40% Effective Rates

A couple retires at 62 with $1.5 million split across two traditional 401(k) plans, no pension, and Social Security on…

Marc Guberti | Jun 14, 2026 at 8:24 AM EDT

The Three-Bucket 401(k) Withdrawal Strategy That Can Save Retirees Six Figures in Taxes

A 66-year-old couple needing $120,000 a year to live faces a costly choice: pulling all $120,000 from the 401(k) feels…

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Marc Guberti

The $2.3 Million 401(k) Tax Trap: Why Maxing Out Costs You $64,000 in Retirement

SECURE 2.0 Changes Force High Earners to Rethink 401(k) Strategy. Here’s the Math.

The $3.2 Million 401(k) Tax Surprise: RMDs Trigger a 40% Effective Rate Retirees Never See Coming

The IRMAA Surprise That Costs 401(k) Holders $1,783 a Year in Hidden Medicare Premiums

A 62-Year-Old With $35,000 in Leftover 529 Funds Can Build $524,000 by Age 62. Here’s How.

Back-Loading Your Inherited 401(k) After 56 Could Save You Nearly $140,000 in Lifetime Taxes

Tech Executives Use This $700,000 401(k) Strategy to Build Tax-Free Retirement Income

Have a $450,000 401(k) and Want to Donate to a Charity? Make Sure You Do This Before Year-End

A $1.6 Million 401(k) and Survivor Benefits Can Cost You Thousands More as a Single Filer

Roth Conversions Between 62 and 70: The $600,000 Tax Hack That Could Save You Tens of Thousands

The $750,000 401(k) Mistake That Quietly Costs Beneficiaries $120,000 in Excess Taxes

High Earners With $1 Million+ 401(k)s Can Still Build Roth Assets in 2026

The 401(k) Move For 60-Year-Olds That Saves Six Figures in Lifetime Taxes: SECURE 2.0’s Hidden Roth Advantage

The $1.5 Million 401(k) Tax Trap: How Bracket Smoothing Saves Retirees From 40% Effective Rates

The Three-Bucket 401(k) Withdrawal Strategy That Can Save Retirees Six Figures in Taxes

The Hidden Cost of SRLN’s Floating Rate Loans When Interest Rates Keep Falling

“I’d Be Pretty Insecure About Your Household Income Right Now Over Hair”: Ramsey Show to Husband Seeking a $7,000 Hair Transplant

XRP vs Ethereum: Which Is the Better Dip to Buy Right Now?

"Who Sends a Bill to Their Kid for $4,000?": Dave Ramsey After Newlywed Gets Surprise Wedding Invoice From In-Laws

"I'd Be Pretty Insecure About Your Household Income Right Now Over Hair": Ramsey Show to Husband Seeking a $7,000 Hair Transplant

“Who Sends a Bill to Their Kid for $4,000?”: Dave Ramsey After Newlywed Gets Surprise Wedding Invoice From In-Laws

The Hidden Cost of SRLN’s Floating Rate Loans When Interest Rates Keep Falling

Marc Guberti

The $2.3 Million 401(k) Tax Trap: Why Maxing Out Costs You $64,000 in Retirement

SECURE 2.0 Changes Force High Earners to Rethink 401(k) Strategy. Here’s the Math.

The $3.2 Million 401(k) Tax Surprise: RMDs Trigger a 40% Effective Rate Retirees Never See Coming

The IRMAA Surprise That Costs 401(k) Holders $1,783 a Year in Hidden Medicare Premiums

A 62-Year-Old With $35,000 in Leftover 529 Funds Can Build $524,000 by Age 62. Here’s How.

Back-Loading Your Inherited 401(k) After 56 Could Save You Nearly $140,000 in Lifetime Taxes

Tech Executives Use This $700,000 401(k) Strategy to Build Tax-Free Retirement Income

Have a $450,000 401(k) and Want to Donate to a Charity? Make Sure You Do This Before Year-End

A $1.6 Million 401(k) and Survivor Benefits Can Cost You Thousands More as a Single Filer

Roth Conversions Between 62 and 70: The $600,000 Tax Hack That Could Save You Tens of Thousands

The $750,000 401(k) Mistake That Quietly Costs Beneficiaries $120,000 in Excess Taxes

High Earners With $1 Million+ 401(k)s Can Still Build Roth Assets in 2026

The 401(k) Move For 60-Year-Olds That Saves Six Figures in Lifetime Taxes: SECURE 2.0’s Hidden Roth Advantage

The $1.5 Million 401(k) Tax Trap: How Bracket Smoothing Saves Retirees From 40% Effective Rates

The Three-Bucket 401(k) Withdrawal Strategy That Can Save Retirees Six Figures in Taxes

The Hidden Cost of SRLN’s Floating Rate Loans When Interest Rates Keep Falling

“I’d Be Pretty Insecure About Your Household Income Right Now Over Hair”: Ramsey Show to Husband Seeking a $7,000 Hair Transplant

XRP vs Ethereum: Which Is the Better Dip to Buy Right Now?

Featured Reads

"Who Sends a Bill to Their Kid for $4,000?": Dave Ramsey After Newlywed Gets Surprise Wedding Invoice From In-Laws

"I'd Be Pretty Insecure About Your Household Income Right Now Over Hair": Ramsey Show to Husband Seeking a $7,000 Hair Transplant