Invest & Retire

Retirement

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Workplace retirement plan. Contributions lower your taxable income now, and many employers match, which is free money. Always grab the full match first.

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You contribute after-tax dollars and every dollar of growth comes out tax-free in retirement. The 2025 limit is 7,000 dollars.

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A spouse can have their own Roth IRA, even a stay-at-home spouse, through a spousal IRA. Same tax-free growth.

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With a high-deductible health plan, an HSA is the only triple tax-free account: deductible going in, tax-free growth, tax-free out for medical. After 65 it works like an IRA. Invest it, do not just spend it.

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A regular investment account with no contribution limits and no early-withdrawal penalty. The place for extra money once the tax-advantaged accounts are full.

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A college savings account that grows tax-free for education. We grow this to your years-until-college below, not to retirement.

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If you keep this up

Nest egg at 65: $4,644,798

$3,555,298 of that is growth you never had to work for. The 529 adds about $82,107 for college.

Retirement Nest Egg

Your 401(k)$1,877,051
Your Roth IRA$1,086,939
Spouse's Roth IRA$1,044,233
HSA$636,576
Taxable brokerage$0
You will have put in$1,089,500
Growth (compounding)$3,555,298
Nest egg at 65$4,644,798

Kid's College (529)

You will have put in$45,200
Tax-free growth$36,907
College fund in 18 yrs$82,107

Nest Egg Over Time

$0$1,161,200$2,322,399$3,483,599$4,644,798now35 yrs
Balance$4,644,798
What you put in$1,089,500

Workplace retirement plan. Contributions lower your taxable income now, and many employers match, which is free money. Always grab the full match first.

You contribute after-tax dollars and every dollar of growth comes out tax-free in retirement. The 2025 limit is 7,000 dollars.

A spouse can have their own Roth IRA, even a stay-at-home spouse, through a spousal IRA. Same tax-free growth.

With a high-deductible health plan, an HSA is the only triple tax-free account: deductible going in, tax-free growth, tax-free out for medical. After 65 it works like an IRA. Invest it, do not just spend it.

A regular investment account with no contribution limits and no early-withdrawal penalty. The place for extra money once the tax-advantaged accounts are full.

A college savings account that grows tax-free for education. We grow this to your years-until-college below, not to retirement.

“A good man leaveth an inheritance to his children’s children: and the wealth of the sinner is laid up for the just.” Proverbs 13:22, KJV. Building wealth is not greed when the aim is to provide, to give, and to leave something behind.

Everything on this site is educational. Nothing here is financial, legal, or tax advice, and the calculators produce estimates only. Talk to a licensed professional before making financial decisions. © 2026 Kindred Oak.