In this episode of The Ameriwealth Talk Show, Karan Murugesu walks through employer retirement plans in a clear, easy-to-understand way. The focus is on how these plans work, the difference between pre-tax and Roth contributions, and why planning ahead for 2026 can help you avoid surprises later.
This episode is designed for anyone contributing to a retirement plan at work who wants clarity — not complexity.
Topics Covered:
• Employer retirement plans explained (401(k), 403(b), 457)
• Pre-tax vs Roth contributions in plain English
• When taxes generally apply and why timing matters
• Brief awareness of early withdrawals and required minimum distributions
• Why Roth options are becoming more important going forward
• Simple steps to review your plan and get ahead
Action Step:
Take 10–15 minutes this week to log into your employer retirement plan. Review your contribution type, confirm your employer match, and Click here to download the Episode 4 Planning Checklist.
Sources & References
IRS — Retirement Plan Contribution Limits
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-contribution-limits
IRS — SECURE Act 2.0 Overview
https://www.irs.gov/retirement-plans/secure-2-0-act-of-2022
IRS — Roth vs Traditional Retirement Accounts
https://www.irs.gov/retirement-plans/roth-comparison-chart
Fidelity — Overview of Employer Retirement Plans
https://www.fidelity.com/learning-center/smart-money/401k-contribution-limits