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Home desk suggesting a choice between a workplace 401(k) and a personal IRA
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401(k) vs IRA: Where Should Your Next Dollar Go?

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  • 8 min
    Should your next retirement dollar go to a 401(k) or an IRA? Most workers should grab the full employer match first, then fund an IRA, then return to the 401(k) toward the 2026 $24,500 limit — adjusting for fees, income phaseouts, and debt.
    Investor desk with laptop showing a blurred market chart, suggesting a capital gains tax decision
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    What Capital Gains Tax Rate Will You Pay in 2026?

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    • 7 min
      Selling stocks, funds, or other investments in 2026? Here are the IRS long-term capital gains brackets (0%, 15%, 20%), how short-term gains are taxed, when the 3.8% NIIT can stack on top, and simple taxable-income examples — plus federal vs state caveats.