AOL: “5 401(k) Rules That Worked for Decades (and Why They’re Breaking Down Now)”
June 25, 2026, AOL — In today’s article on AOL.com, reporter Chris Adams writes, “Some rules seem to be good for a lifetime. For example, most finance pros would probably tell you that having a rainy day fund is a good idea for your money. On the other hand, some finance rules seem to make less sense over time. This is especially true when people are generally living longer and spending more time in retirement.”
He asked Marguerita Cheng, certified financial planner and CEO of Blue Ocean Global Wealth, about ways to Maximize Pretax Contributions to Your Retirement
Rita said: “Just as investment diversification is important, so is tax diversification,” said Marguerita Cheng, CFP and CEO of Blue Ocean Global Wealth. “It’s important to have taxable, tax-free, and tax-deferred savings and investments. High-income earners now need to redirect catch-up contributions to the Roth 401(k) option in their employer-sponsored plans.”