Here’s how to take advantage of the tax and withdrawal rules for Roth 401(k) retirement plans in order to get the most from your investment. https://t.co/ejJdOLjznZ ...

Group 1: Bitcoin Market Dynamics - Bitcoin (BTC) experienced a low of $80,000 with record volumes and ETF outflows, but saw inflows of $238 million on November 21, indicating a potential local low forming [2] - Following the inflows, Bitcoin rebounded to over $87,000, with significant open interest on call options for November 28, 2025, above $88,000 [2] - Traders are hedging positions with puts down to $60,000 strike levels, indicating a cautious approach as they aim to lock in profits before year-end [2] Group 2: Ethereum Market Trends - Ethereum (ETH) is following Bitcoin's upward trend, currently trading above $2,800 but below the critical $3,000 level [3] - Perpetual funding rates for Ethereum are mixed across exchanges, with some like OKX and KuCoin showing negative annualized rates, while Bybit reports nearly 11% annualized [3] - The market is seeing momentum build for Ethereum, suggesting a potential rally could be on the horizon [3]

Discover the differences between qualified and nonqualified retirement plans, including regulations, tax benefits, and which plan might be best for you and your retirement strategy. https://t.co/2rCpls0HE3 ...

Core Insights - The Social Security program in the U.S. is facing significant financial challenges, with projections indicating it will only be able to pay 100% of scheduled benefits until 2033, after which it will cover only 77% of benefits due to demographic and economic factors [2]. Group 1: Social Security Challenges - The Old-Age and Survivors Insurance Fund is projected to be unable to meet its obligations fully after 2033, leading to a potential shortfall in benefits [2]. - Contributing factors to the shortfall include a declining workforce, increasing longevity of retirees, and rising income inequality [2]. Group 2: Retirement Alternatives - Individuals are encouraged to maximize contributions to employer-sponsored retirement plans, with limits set at $23,500 for 401(k) plans in 2025, and additional catch-up contributions available for those aged 50 and over [4][5]. - For those without employer plans, traditional or Roth IRAs are available, with annual contribution limits of $7,000 and an additional $1,000 catch-up contribution for individuals over 50 [7]. - Self-employed individuals or small business owners have the option to establish retirement plans that may allow for higher contributions than standard employer-sponsored plans [8].

Amanda Otter three-year hunt to recover more than $50,000 in missing 401(k) money shows the risks in some small retirement plans. https://t.co/eclQzZoHHs https://t.co/GvaypGJIa8 ...

Retirement Planning - Roth 401(k) retirement plans offer tax advantages and specific withdrawal rules to maximize investment returns [1] Investment Strategies - The industry emphasizes leveraging tax and withdrawal rules associated with Roth 401(k) plans [1]

401(k)s and pensions are both employer-sponsored retirement plans, but pensions are less common. https://t.co/luvlRYE0af ...

Wall Street is angling to put private assets into retirement plans, but only 10% of 401(k) investors are dissatisfied with their current offerings, according to a Harris Poll survey on behalf of WSJ https://t.co/P2T5yQRzb9 ...

Market Trends & Investment Opportunities - Wall Street aims to incorporate private assets into retirement plans [1] - Only 10% of 401(k) investors express dissatisfaction with current retirement plan options [1]

Government Shutdown Impact - Congressional Budget Office estimates approximately 750,000 federal employees will be furloughed for each day the government remains closed [4] - Social Security Administration anticipates that benefit checks will continue to be disbursed without delays during the shutdown [6] - A protracted shutdown could potentially delay the announcement of the cost of living adjustment (COLA) for Social Security, which is typically announced in mid-October and is estimated to be a 27% increase [8][9] Retirement Planning for Generation X - Gen X feels woefully unprepared for retirement due to obstacles faced in saving, such as the emergence of 401ks during their early careers with limited education and investment options [13][18][19] - Financial advisors recommend Gen X to take a hard look at their budget, consider all assets, and seek professional financial advice [16][17][18] - The "HOVER" method (Hope, Optimism, Value, Enthusiasm, Resilience) is suggested to cultivate a positive mindset towards retirement savings [21][22][23][24][25] E-commerce and Retail Trends - Amazon's Prime Big Deals event goes live October 7th and 8th across 19 countries [27] - Last year's fall event brought in approximately $8 billion in gross merchandise volume, representing a 25% drop from July's Prime Day [28] - Amazon has more than 200 million Prime members worldwide [29] - Amazon's online store sales jumped 11% year-over-year to $615 billion, while physical store sales climbed 7% to $56 billion in its latest quarter [30] - Amazon Prime membership is required to take advantage of Prime Big Deals Day, which costs $1499 per month or $139 per year [31] - Shoppers can expect discounts of up to 65% off on electronics and devices, up to 40% off on health and beauty products, and up to 40% off on toys and sports products [34] - Using a rewards credit card, such as the Prime Visa, can provide an automatic discount, offering 5% back on Amazon purchases [37] Housing Market and Home Renovations - A 10% tariff on lumber imports and 25% on cabinets and furniture are expected to go into effect on October 14th, raising concerns in the housing industry about increased building and remodeling costs [41] - Consumers are opting for more modest home renovations, avoiding expensive projects like $60000 kitchen renovations [44] - Remodelers' sentiment is falling, currently at 59 on a scale of 0 to 100, down from about 77 a few years ago [46] Employee Benefits and Financial Planning - Open enrollment season is the time for workers to review and select benefits, including healthcare and retirement plans [52][53] - Health Savings Accounts (HSAs) are tax-advantaged savings accounts that can be paired with high-deductible health plans [57][58] - Employees should maximize employer-sponsored retirement plans, such as 401(k)s or 403(b)s, especially if the employer offers matching contributions, such as a 3% match [59][60]