Retirement Accounts Without the Misery

Retirement Accounts Without the Misery

401(k). 403(b). IRA. Roth. HSA. It sounds like a dozen products with secret rules. It's really two questions: who opens the box, and when do you pay the tax?

💡 WHAT YOU'LL LEARN

✔️ The container idea that makes every account make sense

✔️ Traditional vs Roth: tax now or tax later, worked out side by side

✔️ The 401(k), the 403(b), the employer match and vesting

✔️ IRAs, including spousal IRAs and the contribution deadline

✔️ 2026 contribution limits and catch-up contributions

✔️ Getting money out: early-withdrawal penalties and required minimum distributions

✔️ The HSA, and how all the accounts fit on one map

📖 WHAT'S INSIDE

✔️ 26 pages

✔️ 11 worked examples

✔️ 10 practice problems with full answers

✔️ A "my accounts map" worksheet

✔️ A "Try This Now" action page, a glossary and a one-page summary

🔒 It explains how each account works. It never tells you which one to choose.

👉 Want all five? The Investing Bundle has this book plus four more and a bonus workbook for $47.

Educational only. Not financial, investment, tax or legal advice. US rules; 2026 figures marked with their year. Instant PDF download.