Articles by

Andy

Andy has run Saving to Invest since 2008, covering personal finance topics around tax credits & refunds, retirement accounts, and government payments/benefits. Every figure and deadline here is sourced from primary data -- the IRS, SSA, USDA, and Department of Labor -- and re-verified before each update. Questions or corrections are always welcome.

Portfolio Diversification in 2026 — How Much Is Actually Enough?

Diversification won't stop you from losing money, and it won't guarantee a profit either. What it does is limit how much damage any single stock, sector, or asset class can do to your overall portfolio when things go wrong — and something always eventually goes wrong somewhere. Here's how to…

401(k) Basics — How Your Plan Works, 2026 Limits, and Getting Every Dollar of the Match

The 401(k) is the workhorse of American retirement saving — and for 2026, you can contribute up to $24,500 of your own pay, more if you're 50 or older. Yet the number that matters most for most people isn't the maximum. It's whatever percentage unlocks your full employer match, because…