Fix Your 401(k) in 2025: 3 Moves Most High Earners Miss

Discover the latest updates on 401k rules in 2025 and how they will impact your retirement savings. In this video, we'll break down the new regulations and what you need to know to make informed decisions about your financial future. Learn how the changes will affect your contributions, investments, and overall retirement strategy. Stay ahead of the curve and ensure you're making the most of your 401k in 2025. Get the inside scoop on the new rules and take control of your retirement planning.
In 2025, headlines are hitting your paycheck tariffs, inflation, shifting rates, and tax-code changes. In this episode of the Asset Management Group podcast, Andrew Nida shows you how to fix your 401(k) fast: why two people with the same salary retire very differently, the three moves to make this week, and how new rules and tax breaks affect your plan.

You’ll learn

The 401(k) settings that quietly cost six figures over a career

How to set the right savings rate and lock in auto-escalation

When to use pre-tax vs. Roth (and why tax diversification matters)

Powerful upgrades: after-tax + in-plan Roth (mega backdoor), catch-ups, and Roth-treated matches

Ways new tax deductions can free up cash to boost contributions

Quick checklist

Capture the full employer match

Aim for a total savings rate around 14–15% (employee + employer)

Turn on +1% auto-escalation until you hit target

Choose your tax lane on purpose: pre-tax, Roth, or a mix

Check for after-tax contributions + in-plan Roth conversion

Use eligible catch-ups and redirect tax savings to your plan

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If this helped, share it with a teammate who just changed jobs or reset benefits. Like, subscribe, and comment with your biggest 401(k) question and we’ll tackle it in a future episode.

Educational only. Not tax, legal, or investment advice. Investing involves risk, including possible loss of principal. Consult your advisor before implementing strategies.

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