Putting More Money in Your Wallet

Did you know that how you save your money can affect your bottom line? For instance, if you're eligible, placing a portion of your pre-tax earnings into your company's qualified retirement plan (e.g., a 401(k) plan) can increase your disposable income in addition to providing you with the opportunity to save for retirement. Here's a hypothetical example of how it works.

Bill Walsh is a single taxpayer who has an annual salary of $50,000. He consistently saves $5,000 per year and places it in a bank account. Recently, he became eligible to contribute to his company's 401(k) plan. Now, instead of making after-tax contributions to his savings account, Bill decides to make a pre-tax contribution of $5,000 into his 401(k). As a result, Bill reduces his taxable income to $45,000. Assuming a 25% federal income tax rate, such a strategy will give Bill $1,350 more in after-tax income. The following chart shows the details.

  Traditional Saving401(k) Plan
Gross Income $50,000 $50,000
401(k) Contribution - $0 - $5,000
  ====== ======
Adjusted Gross Income $50,000 $45,000
Federal Income Taxes* $12,500 $11,250
$ Earmarked for Savings - $5,000 - $0
  ====== ======
Disposable Income $32,500 $33,750

 

Savings ---- = $1,250

* Single filer

CRN200802-2013269

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