Education only. FirstStepsInvesting is an education publisher, not a registered investment adviser, broker, or tax professional. Nothing on this site is personal financial, investment, legal, or tax advice, and using it creates no advisory relationship.
Figures. Contribution limits, phase-outs, and related figures are 2026 figures drawn from IRS releases (Notice 2025-67, IR-2025-111, Rev. Proc. 2025-19, Rev. Proc. 2025-32) and were checked on October 23, 2026. Tax law changes; verify figures that matter to you against the IRS and your plan documents.
Projections. Any projected figure on this site is arithmetic on assumptions printed beside it. It is not a prediction, a promise, or a representation of future results. Investing involves risk, including possible loss of principal.
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