New 401K Rules in 2025 - Major Changes You Need to Know!

[@clearvaluetax9382]

401K Explained Simply for Beginners: kzbin.info/www/bejne/eJm3hZh_eb-ngbs How to Use a 401K Properly to Retire Faster: kzbin.info/www/bejne/jqbGaXqonp2dZrs

[@SamuelClemente7718]

Can i use that $3000 toward my mortgage principal?

[@godmuzic7136]

Thank you so much for your continued excellence in serving your viewers so effectively. This is one of the best YT channels! Share!

[@dvgadd]

My employer gives nothing. They won't even fix the coke machine.

[@foxtrotwolf6081]

Hey. That saves on dental expenses from the sugar.

[@mctooch]

🤣🤣🤣🤣🤣🤣

[@jasonmarkwell8593]

Thought it was the ice cream machine you fry cook you lol 😆👍

[@krisiscove]

Might need to start interviewing other employers lol.

[@northfloridatech1820]

Same...

[@Fishfood007]

This is huge! Put it in the HSA and you can invest it tax free! Can only be used for medical related expenses but you can also use it now!

[@sw7366]

My first thought. I cheered when Brian said it.😊

[@none23517]

but we might have to pay tax on it when we move that money to the HSA or not? if not then its the best ever plan

[@brp3222]

The question is (as someone that maxes out my Family HSA every year) - do these matches going to the HSA count towards the yearly maximum, or can we max it out normally AND add these matches on top of it?

[@midnight816]

@@none23517why would you pay taxes on it?

[@Fishfood007]

@ the question I would ask is are you maxing out your 401k Roth if not now you can do both tax free.

[@EAAAA1505]

I am glad now there will be a database to search for old 401K. My dad is retired and he doesn't even know if he ever signed up or was automatically signed up in 401K wit previous employers. He doesn't even remember all his employers. These will help older folks that are not familiar how 401Ks worked i the past.

[@MsJoyce31202]

😊

[@lucanidae100]

I don't remember anything....

[@Cakebattered]

Huge benefit for those who job hop.

[@aaron___6014]

I found one from 10 years ago that I didn't even know I had. Only found it because my new employer uses the same 401k manager.

[@tonedaloca]

Where is it to look for it?

[@jordaniriarte-gi7se]

Brian is the top video when you search 401k changes 2025. 🙏

[@ltguy]

I'd rather be able to choose how to invest that money, like ETFs, stocks etc.

[@Serious-Man]

Roll your 401k into an IRA. Then you can buy stocks, ETF's, treasuries, ect.

[@econ0003]

@@Serious-Man unfortunately active 401k plans do not allow you to roll over funds. You would need to terminate employment before that is possible.

[@jrdPalacios]

Change employer. Your employer uses something called ‘plan administrator’ they set the funds you can put your 401k into. While you likely wont be able to yolo it into $NVDA, some offer straight up SP500 mutual funds for example

[@jarrettosburn8879]

You could also open an HSA with HSA Bank. After you get the account to I think 3,000.00 you can transfer it into an investment account and buy stocks, bonds, ETF's... Whatever your heart desires.

[@evancombs5159]

​@@jarrettosburn8879 if you go the HSA route use Fidelity you can invest every penny.

[@Kristoffir]

I just want to say I love the concise, no frills, no nonsense format of your videos. Subscribed.

[@sayless1445]

Welcome here😊

[@FlaBoy321]

Love your videos! Straight to the point, no unnecessary yapping or BS. Truly, thank you! You're one of the best.

[@alphaomega1351]

So basically you can use it for: 1. Inflated student loan debt 2. Inflated medical debt Woopie! Yeah! Hooray!!! 🥳

[@MaxwellMax]

Yeah, and while at the same time robbing your retirement nest egg.

[@Flush0000]

​@MaxwellMax it's an option it's not mandatory

[@kannermw]

Debt you voluntarily signed up for but don't want any personal accountability and expect someone else to bail you out. 😂😂😂

[@tc9456]

@@kannermw nobody signs up for debt. You either take the debt or you pay with your life working fast food jobs and be pay check to paycheck which is not possible when you have rent. I have no debt but I’m young, so not yet.

[@markt7291]

Good point !

[@BrandonMirrors]

The government should take note and let me choose how my taxes are spent too. Appreciate the update, Brian!

[@none23517]

yeah since we pay so much and have no say whatsover on how its spend. Rather have it spent to help the homeless here or make better insfracture then fund wars abroad.

[@Aokiji1]

Funding HSA with 401k match money sounds like a great perk. Depending on your companies match policy you can max your HSA early in the year with just match funds and then just continue to pile money into the 401k afterwards.

[@tonalddrump5554]

I love how we just allow the government to tell us when and where and how with our money

[@Kainis80]

because americans learned in the 1970s to just bend over and allow said government to have their way with them because "freedom".

[@clyde19788]

it's actually the employers money that isnt being taxed. big difference, dump

[@othatdude30]

You can put your money into your own investment account

[@davidabfox]

Pretty terrifying isn’t it

[@genxtechguy]

@@othatdude30sure, you can, but most employers contribute significant $$ if you use the 401(k) path so you’re mostly incentivized or pressured to use the government’s investment vehicle because it makes more sense. The government prefers to have control over its citizens.

[@ultrapredatorr]

Keep it on your 401k, no brainer.

[@imkvn4681]

Spend it. 401ks are busted unless your 50+.

[@scoot333]

@@imkvn4681 *you're

[@CrazySwipes]

@@imkvn4681terrible advice

[@bjaminH]

Depends on the interest rate of the student loans. Also HSA is triple tax advantaged

[@Fuerya]

@@imkvn4681🤨

[@bryanwoodard1240]

Great content as always fellow Brian. 👍 Luckily i have a good 401k and pension for my age (32) and i dont see the need to change from default as i dont have any debt, but its good to see this information.

[@CowboyBebopCrew]

Using the match to pay down my student loans would be amazing. I already max it out anyway, so the extra would be nice to help burn down my student loan debt. Thanks for the information!

[@danwalker9995]

Brian, I love ur videos. Simple and to the point.

[@Lopezgrl96]

Thank you!! Hubby and I been talking about this lately..I appreciate your information and all you do. You’ve helped us out a lot in finance!!❤

[@MrNutz87]

The ability to apply match to student loans is a massive change. Should help younger workers to pay off student loans while still saving for retirement

[@gtavomaldo1942]

I love your “to the point” videos. Little to no introduction and straight to the facts

[@natej6671]

The additional contributions to the 401k sounds nice but at the same time I curious why the gov't needs a new influx of our cash.

[@dragonballzpop]

They should just let us take it out tax-free. So we can afford to live next year .

[@jayc4715]

That would increase inflation

[@charlesmavros5719]

So does printing money frivolously for bullshit policies.

[@MuhammadKeita94]

That’s a terrible idea…

[@minhvinhtube]

Does this new rule apply for Federal TSP? Thanks

[@masonloomis5879]

Thanks Brian, can't wait for lunch Time to watch this. Dropping a like now.

[@masonloomis5879]

Would this apply for my company's match over the past 10 years or is this going to be for starting match in 2025 and going forward? Trying to pay off student loans and this would be great

[@CherryPauper]

DO NOT BORROW AGAINST YOUR 401K. YOU NEED THAT MONEY TO LIVE FROM 65 TO 85. Just remember this: your current debt will be worth less over time, but your 401k balance will continue to grow.

[@Kevin-tn5rr]

I won't live that long

[@beachbumLifestyle]

😂 no it won’t

[@PhillyB322]

just as an aside, while money that is borrowed from your 401k is placed into an account that is removed from investing... the loan interest you pay on your loan goes back into your account directly and is not paid to the recordkeeper, advisor, or employer

[@newdecca]

Bold of you to assume I make it to 65. 😂

[@samjones9600]

Your 401k will be worthless lmao. Better to use it to buy gold. Retirement is cancelled. Hyperinflation and WW3 here we come.

[@deviildogg1]

I actually like this since it allows for flexibility where needed and still incentivizes people to contribute to their 401k.

[@Kevin-xd1pr]

I think IRS maximum contribution limits for the year includes employer matching amount. 2:55 you said not counting employer matching?

[@AndrewSmarowsky]

Why don’t they just create a pretax account specifically for student loans/education costs. Seems silly that they don’t do this already.

[@SpaceCaptainLord]

I’m the benefits admin for my company, we are just about to review some secure 2.0 provisions so this video is great timing!

[@DavidJ245]

Things like this should be taught in schools. I mean I have yet to use the Pythagorean theorem

[@bb-1359]

Do you use your protractor?

[@EricFant]

I used the Pythagorean theorem while building my deck this weekend.

[@valdivia1234567]

If you're relatively young, I get it, but I can't imagine being over 35 or 40 never having used the Pythagorean theorem.

[@user-hx1cz8lm2s]

That's actually real helpful in construction

[@truthoverfacts9670]

😂 You’re very attractive btw

[@denko44]

My work place puts the match into your 401k but then you can put annual contribution into either your 401k or pension. The pension gives 3-5% depending on your age. Pension option is great for older folks.

[@BlueJeansandJellyBeans]

Thank you Brian, had no idea about this until now.

[@johnever3226]

Great video ,, thanks ,, i heard there will be a tax increase if you take the money out of the 401k .. is this true ? if so how much ?

[@danettemaynhart3629]

So here’s my question. We already max out our HSA every year. Would I be able to use the match to max out the HSA so I could bring more $ home to pay off my mortgage quicker? I’m thinking the only downside would be that my taxable income would be higher.

[@squashscent5071]

This shows people that things actuslly take time

[@kathyb6005]

Was is the catch? Amy penalties or taxes to be paid if u don't leave it in your 401k? Thank u

[@desi2518]

Yeah it would be nice to have a data base! My husband thinks that they just pocketed all the 401k of a old job he worked for that no longer in business. We've looked thru old records and it's on the pay stubs but no paper work! It's been frustrating to say the least.

[@rachelgray7870]

Check your states unclaimed property website

[@desi2518]

@rachelgray7870 we did that, nothing listed.

[@rachelgray7870]

@@desi2518 Oh Bummer.😩 I hope you find it!

[@bravehats]

Can you retro it? So let's say your employer has been contributing to your 401k for years. Can you take all that and pay the student loan?

[@clearvaluetax9382]

No, it would be new employee contributions (not money already in your 401K). Think of it as the employer match being diverted to the other accounts rather than money used FROM your 401K.

[@dethcythe]

My employer will not willingly opt for this...unfortunately. I'm not allowed to tap 401k unless I'm in foreclosure or dying....

[@Wiscwin1]

Can you go over the tax withholding estimator and how it works? I would appreciate it

[@creditrepairwizards]

If you could use the match for a down payment or closing costs that would be helpful

[@Serious-Man]

I'm pretty sure you can borrow against your 401k for the purchase of your first home. You pay it back with interest, but you are literally paying yourself back.

[@wendy833]

I was able to borrow half of my money for closing costs. I paid it back in 3 years, but had a 5 year loan @ 6.5%. That was 5 years ago. They hold the other half as security.

[@TimHPop776]

Thank you Brian. Are there new rules for IRA’s(trad &Roth)? I no longer have access to a 401k.

[@ryantrott9529]

Im so glad they are telling us what we can and can’t do with our own hard earned money. So nice of them. 🤦‍♂️

[@TheBitterSarcasmOfMs.Anthropy]

For using employer match, I'm surprised the gov't did not specifically add: "- put towards the latest crypto coin, crypto ETFs or NFTs" as those -speculative vehicles- err, I mean "financial assets" are such a great way for institutions to suck money out of retail traders and investors

[@lindaanderson846]

Happy Money Monday Brian❤❤

[@clearvaluetax9382]

Happy Monday Linda!

[@samueljensen9896]

Link to these changes? I can't find any information anywhere else saying that 401K match will be able to be moved to an HSA.

[@JUNKJACKZACK]

This is AWESOME! I have around 16k student loans and this will greatly get those loans paid down.

[@almapinon4299]

Thank you Sir Brian for fhe info about 401K--!

[@Hung-di4fb]

Can you talk about 403b?? What can I do to benefit most from it?

[@Blair.G1]

is student loans and medical the only debt you can pay off with this change?

[@paulmarino8810]

Sure they don't save enough now, so let people use up the savings they don't save enough of.

[@jasonmarkwell8593]

Making us even more dependent on the government in the near future. Fantastic 👍 😆

[@Tangerine1717]

You’re the absolute best! Thanks for keeping all of us informed.

[@doctorgap]

Kia doesn't employee match soooo doesn't affect me

[@TrustyJ06]

Excellent point to specify the 401K contribution limit is on solely our contribution. Employer match doesn't count towards the limit. 🎉

[@smurfw]

This only makes sense for people who don't already max out their HSA contribution. Does the amount converted to HSA from 401k count towards the HSA contribution limit?

[@grantjrfam]

Unfortunately for many of us, the increase doesn't help as there is not enough to live on in the first place. At this rate, I know I won't have enough funds to ever retire.

[@fujiman4286]

Funny how the Govt is pushing/advertising this new "Employee Benefit" yet nothing on the 2025 Tax increases! 😂

[@Ethernet480]

Cool! Was hoping to hear Roth though 😅

[@yesmassaishouldhavelistene3220]

My colleague borrowed 401k and used for house repairs. Is that wise?

[@ggkkkgkgkkgkgkg]

Will this be available for those of us that have thrift savings plans with the government?

[@davidk4860]

Its not a bad change. Especially if your struggling with student loans or maxing out your hsa.

[@byorce]

If we decide to use employer match for student loans or some other purpose. Does that still count towards the contribution limits?

[@wolfiek1610]

Amazingly helpful. Thank you

[@MarieWentworth-p2h]

With the new 401(k) rules coming in, I thought I'd have to rework my whole retirement strategy. I’ve got over $1.8M sitting in my 401(k), but the new options for catch-up contributions and tax benefits made me realize I could be doing so much more with it.

[@michaelhasson2372]

Is there more details on the company match going to your HSA? Like will it be tax deductible? Grow tax free? No withdraw penalty for qualified expenses? 0:58

[@michaelhasson2372]

Will this impact how much you’re still allowed to contribute? Etc 0:58

[@clearvaluetax9382]

It would be pre-tax money going into the HSA. It would have to be for qualified medical expenses.

[@michaelhasson2372]

@@clearvaluetax9382 Thanks for the quick response, I will subscribe. So it sounds like you can’t use the match to contribute to the HSA and invest within the HSA, only for expenses you already have? (Im using my HSA as another retirement vehicle)

[@toyarj37]

If I put it in my hsa can I put it in even after I maxed out my hsa contribution for the year?

[@jrraven3230]

Thanks Brian 🙂

[@ZurieRae]

I love the option. Who’s to say you will always opt to disperse the money elsewhere ya know. Also the catch up act is nice. Most Americans need to catch up. I’ll half to see where my company stands.

[@dalehumphrey4264]

Bought a rental house with my 401k for 40k fixed it up another 10k in 2018 rents for 950.00 and is know worth 160k looking for another fixer upper so I can dig into that 401k again

[@joshuawilliams6800]

Will the new rule re: how the contributions can be applied also apply to 403(b)s?

[@GanonTims]

Very good info! Thank you sir!

[@J_b0yyy1]

You said it can help pay down debt but that wasn’t an option at the beginning of the video can use it for

[@garrettschnieder3472]

Does this apply to 457b’s as well?

[@literarylayer]

Wow, this sounds too good to be true. I love it and mine will go to student debt and hsa

[@basedmuslimbooks]

Hard to find references for all of the new matching rules - where is the link for this overview

[@KidCity1985]

Love this guy, no yapping. 😊

[@tbtheg2322]

For student loans, would this be retroactive to all match contributions made say... If I stayed with a company for 5 years? Or is this once the PLR is submitted?

[@clearvaluetax9382]

This won’t apply to money ALREADY in your 401K. This will be applicable to new employer matching money (that never goes into your 401K, rather, to the other options).

[@cturner7011]

If you have the employer contribution go to your HSA, does this count against your annual HSA contribution allowance? So, if I go with this option, I would decrease the amount of my HSA contribution for the year, by the amount that I expect to receive from my employer?

[@Jen_ell]

As long as they don't tax it as income on the back end, it's a great idea. IRS is sneaky in that way.

[@jamescampbell4751]

You don't seem to know how retirements work. You will either get taxed up front or later.

[@Jen_ell]

@ you don’t have to be condescending in your commentary. My comment has to do with reallocation of the match and whether or not they would consider that income (and tax it). That’s all. Do you have some insight to contribute regarding that?

[@GreenisYellow]

Should be able to pay down all debt

[@leevue3443]

Where can we find the information on the student loan part?

[@hammerandthewrench7924]

Student loans option is actually not bad.

[@JohnVillalta]

Will 403bs see similar changes??? Would love to pay off my student loans faster using this method

[@goldenhearts5924]

Thank you!

[@Wadley225]

I'm not too interested in a 401K I buy gold and silver. I do have about $5000 in an old 401K plan from a previous job.

[@Mr._Rick]

You missed the employee plus employer contribution limit. Goes from 69,000 to 70,000 in 2025.

[@iotanb1772]

What about Bitcoin & Alt coins?

[@mikes.2471]

My employer capped me at 10k due to being HCE. Prior years I maxed out over 20k. Such dump rules that supposed to be fair for everyone within the company.

[@beezyhill2218]

Can I cash out 401k rollover

[@Netizen_101]

My company doesn’t even friggin match.

[@LibertarianRF]

Then leave

[@Netizen_101]

@ I’m just annoyed bc I wish they did. But as long as they keep paying profit sharing, I suppose it’s still enticing enough to stay.

[@JohnS-il1dr]

@LibertarianRF thats flippant of you esp in the crazy job market today.

[@robtheaccountant]

other than paying on debt is the additional funds still pre taxed and if so would you still be able to deduct your student loan interest I feel like this is will end up being an additional tax someway.

[@phantomf41]

Is it taxed if it goes to student loans?

[@paxamdg2712]

does this apply for 401A? That's what my employer uses.

[@uutube243]

Link the actual IRS ruling. I can’t find it.

[@krimstix]

Is this the same as a Roth IRA in a 403(b) account?

[@toyarj37]

Is this for 403b as well?

[@ammarkhawam]

Does that apply to Solo401(k)?

[@crisharonbeale8408]

I think it's a great idea, I'd still being paying into my retirement , my employer would be paying essentially one of my largest bills and I can use more of my take home pay on other things . I like the concept.

[@dw9560]

Do you have to qualify for an HSA to shift the match to it?!

[@KumaraCampara]

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[@JustinaLumen-nk2di]

I'm new to cryptocurrency and don't understand how it really works. how can someone know the right approach to investing and making good profits from cryptocurrency investments?

[@KumaraCampara]

Beatrice Anastasia is the consultant that guides me.

[@JustinaLumen-nk2di]

how can I reach her services

[@KumaraCampara]

SHE IS ON TELEGRAMs

[@KumaraCampara]

Anab94 That's ☝️☝️ her name.