In this episode, the "Old Irish Guys"—John and Brendan—shake off the winter snow and welcome the signs of spring in South Baltimore. Inspired by the upcoming 70th anniversary of the South Baltimore Little League, they dive into the essentials of employer-sponsored retirement plans.

From the basic mechanics of a 401(k) to the "secret" benefits of the SECURE Act 2.0, the guys break down how to stop leaving free money on the table and start building real wealth.

In this episode:

• Signs of Spring in SoBo: Celebrating the 70th season of the South Baltimore Little League and the return of sunny days to the neighborhood.
• 401(k) & 403(b) Fundamentals: Why these workplace plans are the most effective way for most people to save for the future.
• The "Free Money" Rule: A deep dive into company matches and why missing out on them is a critical financial error.
• New Rules for 2026: Understanding the updated contribution limits and the new "Student Loan Match" provision that helps younger workers save while paying off debt.
• Portability & Rollovers: What happens to your "stack" when you change jobs and how to keep your retirement building blocks organized.

Visit us online: oldirishguysfinancial.com
Email your questions: info@oldirishguysfinancial.com

Remember, don't wait until you're making six figures to start saving; if someone tells you otherwise, they’re just talking Blarney. Get that compounding clock ticking today!

• (00:00) - Welcome to the Podcast
• (00:28) - Springtime in South Baltimore
• (00:54) - Little League and Orioles Talk
• (01:38) - Why This Episode Is Different
• (02:48) - 401k Segment Begins
• (03:23) - Auto Enrollment and Contributions
• (04:41) - Limits and Employer Match
• (06:18) - Catch Up Contributions After 50
• (07:24) - Portability and Rollovers
• (08:53) - Student Loan Match Provision
• (10:47) - 401k Recap and Next Episode
• (11:34) - Contact and Sign Off