Inspira 365Topic
Retirement
401(k)s, IRAs and the rules that decide how much you keep.
Retirement
Social Security COLA 2027: Your 3.6% Raise Explained
Social Security benefits rise 3.6% in 2027. See how much your check could grow, when the increase arrives, how Medicare premiums affect it, and what to do now.
Retirement
Roth Conversion Explained: When Paying Tax Now Saves You Later
A Roth conversion moves money from a traditional IRA or 401(k) to a Roth. Learn how it is taxed, the 5-year rule, the pro-rata rule, and when converting makes sense.
Retirement
Roth IRA vs Traditional IRA: Which Is Better for You in 2026?
Roth or traditional? Compare the tax treatment, 2026 contribution limits ($7,500), Roth income limits, withdrawal rules and RMDs, with a simple way to decide.
Retirement
401(k) Basics: How It Works, 2026 Limits and the Employer Match
How a 401(k) works, the 2026 contribution limit ($24,500), catch-up rules including the new age 60–63 super catch-up, employer matching, vesting and what to invest in.