Kevin’s Templates

18.5K followers

Follow

Follow

Follow

1/5

3 saved

12

10

How Much to Contribute to a 401k in Your 20s 💸

If you’re in your 20s, contributing to a 401(k) might feel low on your priority list—especially with rent, student loans, and everything else. But trust me, starting now sets you up in a big way later.

The first rule? Always get the employer match. If your job offers a 4% match, put in 4%. That’s free money. Don’t leave it on the table.

Once you’ve got that down, the goal is to contribute 10–15% of your income if you can swing it. That might sound like a lot, but when you start early, your money has decades to grow through compound interest. Even if you can’t do that much right now, starting with 4–5% and increasing it every year makes a huge difference.

That’s what I did—I started small and raised my contribution every time I got a raise. It’s automatic, so I barely noticed it, but now I’m way ahead of where I thought I’d be.

Your 401(k) is one of the easiest ways to build long-term wealth. Start with what you can, be consistent, and let time do the heavy lifting.

Swipe to learn how to make the most of your 401(k) in your 20s.

#lemon8partner #moneytips #personalfinance #nobuy2025 #moneygoals #moneygoals

2025/5/9 Edited to

Starting to contribute to your 401(k) in your 20s is crucial for long-term financial success. One of the first steps is to always take advantage of the employer match. This is free money that can significantly boost your retirement savings. Aim to contribute between 10-15% of your income; even beginning with a smaller percentage, such as 4-5%, is beneficial. Increasing your contributions annually can enhance your savings as your income grows over time. The power of compound interest works best when you start early. Contributions made now will grow exponentially, providing you with a substantial nest egg for retirement. Consistency is key—automate your contributions and adjust them upward with each salary increase to build a secure financial future. Additionally, consider reviewing your investment options within your 401(k) plan. Diversifying your investments can potentially lead to better returns, and regularly re-evaluating your strategy will help you stay on track to meet your financial goals. Together, these strategies will enable you to maximize your retirement contributions effectively.

Related posts

A person in blue shorts and a sports bra holds a dumbbell, with various food items like meat, eggs, peas, shrimp, yogurt, and tofu floating around them. The text overlay reads 'Foods For Glute Growth What to Eat for Muscle Growth & Recovery'.

A chart titled 'PROTEIN SOURCES CHART' displays various foods like chicken breast, eggs, cottage cheese, salmon, lentils, tofu, shrimp, and bison, along with their protein content per 100g.

An infographic titled 'Top 5 Foods for Recovery' features images and descriptions of chocolate milk, tart cherry juice, peanut butter and banana sandwich, yogurt and granola, and a fruit smoothie.

Foods & Drinks I eat to Grow BIG & Strong GLUTES🍑

Muscle-building foods I use to fuel my fitness goals, along with some meal ideas I often to incorporate into my diet: 🥚Eggs: ✅Breakfast: Veggie omelette with eggs, spinach, onion, chicken sausage, and tomatoes. ✅Lunch: Egg salad sandwich on whole grain bread. ✅Dinner: Quiche with eggs, cheese

3591 likes

A woman in light athletic wear takes a mirror selfie, showcasing her glutes. Text overlays ask 'Want this?' and 'Do this,' suggesting a desired physique achievable through the article's advice.

An infographic titled 'HIPS & BUTT WORKOUT #demic.app' illustrates various exercises like squat jumps and donkey kicks, with specified sets and reps, for glute and hip muscle development.

A collage of healthy food items including Greek yogurt, eggs, pork tenderloin, quinoa, chickpeas, almond butter, spinach, avocados, and sweet potatoes, highlighting protein-rich and nutritious options.

How to make your butt bigger in two months

Increasing your protein intake with foods like eggs and avocados, coupled with a consistent workout routine four days a week, can contribute to muscle growth. However, the idea of making butter "bigger" in two months might be a misunderstanding, as butter is a high-fat product and doesn'

4515 likes

A woman holding a dumbbell, taking a mirror selfie, with overlay text "Exercises - Routine - Nutrition - Mindset HOW TO SLIM YOUR ENTIRE BODY In a healthy, effective and Easy Ways."

A 4-week home HIIT plan detailing daily workouts including lower body, upper body, cardio, core, yoga, stretching, and active recovery for each day of the week.

A comprehensive list of food items categorized into Veggies, Dry & Canned Foods, Dairy & Dairy Substitutes, Meat & Meat Substitutes, Fruit, Condiments & Seasonings, and Snacks for macro-friendly meals.

How to Reduce Fat and Slim your Entire Body

The Best Exercises to help you Lose weight: Cardiovascular exercises: Cardio exercises elevate your heart rate, increasing calorie burn and improving cardiovascular health. Aim for at least 150 minutes of moderate-intensity aerobic activity or 75 minutes of vigorous-intensity activity per week,

1773 likes

Two halves of a red grapefruit are displayed on a wooden cutting board. Overlaying the image is text that reads "LOSE WEIGHT WHILE EATING How to structure your diet*" in yellow and white fonts.

A white background with black text titled "UNDERSTANDING YOUR MACROS." The text explains that macronutrients (carbohydrates, proteins, fats) are the building blocks of diet, each serving a unique purpose for energy, muscle, and hormone production, essential for weight loss.

A white background with black text titled "HOW TO DETERMINE YOUR MACROS." It outlines steps for calculating macros: determining caloric needs, setting macro ratios (e.g., 40% carbs, 35% protein, 25% fats for weight loss), and adjusting based on results.

How to Eat to Lose Lbs: Diet for Maximum Fat Burn🔥

Embarking on a weight loss journey can be overwhelming, especially when it comes to diet. There’s so much conflicting information out there—low carb, high protein, intermittent fasting, clean eating—the list goes on. But the truth is, successful weight loss isn’t about depriving yourself or jumping

1187 likes

How to invest for beginners 💸

1. Invest up to ER Match. First, you want to take advantage of any employer-match offered to you. This is free money! Always contribute up to the match. 2. Contribute to a Roth IRA. An IRA is a tax-advantaged retirement account that is separate from your employer-sponsored account (called a 4

2540 likes

A woman performs hip thrusts with a dumbbell, illustrating an exercise to avoid 'Chair Butt.' Text overlay emphasizes preventing glute flattening from prolonged sitting.

An illustration depicts office workers sitting, with skeletal overlays showing poor posture and glute atrophy, labeled 'Dead Butt Syndrome,' highlighting the effects of prolonged sitting.

Text lists and describes key exercises to strengthen glutes, including Glute Bridges, Squats, Lunges, Clamshells, and Step-Ups, to combat the effects of prolonged sitting.

Tips for Fixing a Flat Butt from Sitting too Long🥞

🧠Understanding Dead Butt Syndrome and Why It Happens🧠 "Chair Butt" / “Dead Butt Syndrome” is a term used to describe the physical changes that happen to your glutes (butt muscles) when you spend long hours sitting. When you're seated, the glute muscles remain largely inactive. Over t

4611 likes

20 Exercises to Shrink and Tone your Waist⏳

💕My Advice: ⌚️Calorie Tracking: Use a food diary or mobile app to track your daily calorie intake and ensure you're in a calorie deficit to promote fat loss, including around the stomach area. ⚖️Macronutrient Balance: Focus on a balanced diet that includes adequate protein, healthy fats,

7867 likes

The title "Diet for Abs" is displayed, with text explaining the crucial role of diet in achieving sculpted abs. Surrounding images include a jump rope, spinach, orange slice, eggs, a resistance band, and a soda can.

The title "Foods to Eat" is presented, followed by a list of beneficial foods for abs, including fruits, vegetables, whole grains, nuts, seeds, fatty fish, legumes, and tea. Small food icons illustrate the categories.

How to Eat for Defined ABs + Different Workouts

Your kitchen isn't just for cooking; it's your secret weapon in the battle for abs. 🍋Nutritious, Whole Foods: Filling your diet with fruits, veggies, whole grains, healthy fats, and high-protein items is crucial. These foods are packed with essential nutrients✅, antioxidants✅, and fi

1734 likes

20 journal prompts for beginners

What's one small thing that made you smile today? If your mood were a color right now, what would it be and why? What's been on your mind that you haven't said out loud? How did you talk to yourself today? Was it kind? Right now, do you need rest, connection, or time alone? Latel

126 likes

20 June Prompts to Reset & Reflect

June is halfway through the year. 🌿 Take a quiet moment, open your journal, and check in with yourself.  Here are prompts for your June reset: What has brought me the most joy this month? What is currently taking up too much of my energy? What do I need less of in my daily life? What do I w

9 likes

3 EASY STEPS TO REBUILD YOUR BANK ACCOUNT

3 Easy Steps to Level Up Your Bank Account Fast WHAT'S HOT: Quick money moves that actually work without living on ramen or giving up everything you enjoy. Real steps for real people with real bills. Hey future millionaire! Ready to stop checking your bank balance with pure terror? Let&#3

848 likes

POV: I Took a Wealth Building Masterclass & These Were My Notes 💸📓✨

I paid for and sat through a wealth-building masterclass so you don’t have to 😭💖 And honestly? The BIGGEST lesson was this: ✨ Wealth is NOT about income. It’s about systems, ownership, discipline, investing, and long-term positioning. These are my personal study notes from the class:

1101 likes

A hand holds a glass filled with ice and water being dispensed, with text overlay reading "Consistently Reach Your Hydration Goals 25 Daily Water Hacks." The bottom left corner has "lemon8 @chalie_baker."

A urine color chart titled "Am I drinking enough water?" displays 8 shades of yellow/brown, indicating hydration levels from "Hydrated" (pale yellow) to "Very dehydrated" (dark brown). It includes advice for each level and important disclaimers about factors affecting urine color.

A list of the first three water hacks: 1. Use a Water Tracker App (mentioning Hydro Coach, My Water Balance, WaterMinder), 2. Infuse Your Water (with fruits, herbs, infuser bottles), and 3. Eat Water-Rich Foods (watermelon, cucumbers, strawberries, celery).

💦25 Ways to Hit Your Daily Water Goals🍉🍋💧

The general recommendation for daily water intake is about 8 glasses of water, which equates to approximately 2 liters or half a gallon. 💦This guideline is known as the ✨8x8 rule✨, suggesting eight 8-ounce glasses of water a day. However, the exact amount of water needed can vary based on s

2940 likes

How to detox your armpits naturally 💦

An armpit detox involves using bentonite clay and apple cider vinegar & applying to the armpit area in order to draw out bacteria and residue that can contribute to odor. What you’ll need: — Ancient clay (also known as bentonite clay) — apple cider vinegar — water Directions: Add 1-2

1148 likes

A light-colored laptop, a mug with a lemon slice, and white wireless earbuds are displayed, with the title "How Much Should You Contribute to Your 401(k)?" overlaid.

A laptop rests on a white, rumpled bedsheet, illustrating the text "The Bare Minimum? Contribute Enough to Match" and advice on employer 401(k) matching.

A laptop, a mug with a lemon slice, and wireless earbuds accompany text about the "Ideal" 401(k) target in your 20s, recommending 10-15% or gradual increases.

How Much to Put in Your 401(k) in Your 20s

401(k)s feel confusing and far away when you’re in your 20s. But — starting early is the ultimate money cheat code. According to Investopedia, contributing 10%–15% of your income is ideal. But even starting with 3%–5% (especially if it gets matched) can set you up for serious wealth later. Th

23 likes

A fit woman in a blue bikini sits on a pink beach chair on a sandy beach, with a text bubble asking why her waist isn't shrinking despite working out. Beach umbrellas and buildings are in the background.

A close-up view of a woman's midsection, showing her back and waist, with text explaining how activating the transverse abdominis (TVA) muscle creates a natural corset effect.

A table with sushi rolls, ginger, wasabi, and a small dish of seaweed salad. Text highlights limiting sodium intake and mentions soy as a sodium-filled ingredient that can cause water retention.

HOW TO *ACTUALLY* SNATCH YOUR WAIST FOR SUMMER✨

No, you do NOT have to do 20 min ab workouts! In fact, ab workouts probably only make up 10% of it all😮‍💨 How do i know this? Because I used to be the one persistently doing the 20 min ab workouts hoping for some miracle to happen one day😂 Here are some changes I made in my routine that gave me the

448 likes

5 Reasons You Should Be Investing in Your 401(k) 💰📈

I work in HR, and one of the biggest mistakes I see employees make is not taking advantage of their 401(k). Many people don’t realize they’re potentially missing out on: 💸 Free money through employer matching 📉 Tax advantages that can lower taxable income 📈 Compound growth over time ⚙️ Aut

1 like

How much to save in a 401(k) in your 20s! 💸 🫶

If you are in your 20s and you are going to save in a 401(k), then this post is for you. You might be wondering, how much would you be saving your 401(k). This is definitely a very unique question where it will depend on how much money you have, how much money you want to bring in, and how much

10 likes

Accounts You Need To Build Wealth💰🫧

Building wealth involves managing your money strategically and utilizing various financial accounts to help you achieve your long-term financial goals. Here are some key accounts that can contribute to building wealth: ✨401(K): A 401(k) is a retirement savings account offered by many employers i

890 likes

How to Invest in Your 50’s

#investing #personalfinance

10 likes

Naturally Detox your Mind & Body from Head to Toe🌷

🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸🌸 3 Colon Cleanse Recipes I Use to Clean my Stomach and Intestines Naturally If you’ve been feeling headaches, fatigue, weight gain, or low energy, a natural colon cleanse might be just what you need. 🍋What is a Natural Colon Cleanse? 🌸A natural colon cleanse involves f

545 likes

Two people relax on a boat with a scenic ocean and mountain backdrop. The image is overlaid with the title 'INVESTMENT APPS TO MAKE YOU WEALTHY' and a 'swipe' icon, indicating more content follows.

Information about Betterment, an automated investing platform, is displayed over a boat and ocean scene. It details key features like varying minimum deposits and fees, investment vehicles (robo-advisor, IRA, 401(k)), options (stocks, bonds, ETFs, cash), and educational resources.

Details about Acorns, a micro-investing app, are presented against a boat and ocean background. It highlights key features such as no minimum to open, monthly fees, investment vehicles (robo-advisor, IRA, 401(k) Rollover), diversified ETFs, and educational resources.

5 best investment apps to make you wealthy

I'm excited to share with you the top 5 investment apps that can help you on your journey to becoming a millionaire. These apps offer a range of features and investment options, catering to investors of all experience levels. Let's dive in and explore how each app can contribute to your wea

136 likes

How to invest for beginners 📈🙏🏼💵

1. Invest up to ER Match. First, you want to take advantage of any employer-match offered to you. This is free money! Always contribute up to the match. 2. Contribute to a Roth IRA?. An IRA is a tax-advantaged retirement account that is separate from your employer-sponsored account (called a 40

13 likes

A woman in black activewear takes a mirror selfie in a gym, with a large text overlay 'Macro Cheat Sheet' and bullet points for 'Tracking Macros', 'Meal Planning', and 'After Workouts Meals'.

A macro cheat sheet categorizing foods by nutritional needs like carbs+fat, high volume low macros, carbs, protein, fat, fruits & veggies, and beverages, with illustrative food icons.

A macro cheat sheet continuing food categories for carbs+protein, protein+fat, and condiments, providing examples for each, alongside fruits, vegetables, and beverages.

How to Track Macros and Build Muscle

✨Macronutrients: Proteins Carbohydrates Fats ✨Proteins: Building blocks of muscles and tissues. Sources include lean meats (chicken, turkey, fish), eggs, dairy (yogurt, cheese), legumes (beans, lentils), and plant-based protein sources (tofu, tempeh, seitan). ✨Carbohydrates: Main sour

3060 likes

A beige patterned wallet with US dollar bills protruding, featuring the title "how I organize my money MY 5 MONEY ACCOUNTS" in prominent text.

A wallet filled with US dollar bills, overlaid with text explaining a "Checking" account for bills and paychecks (low interest) and a "HYSA" for excess money (higher interest).

A wallet containing US dollar bills, with text overlays detailing a "Roth IRA" for tax-free growth and withdrawals, and a "401k" retirement account with employer matching.

How I organize my money! 💰💵💸

I have five different types of accounts for my money organization. First is my normal checking account. I use this to deposit my pay check, pay my bills, etc! The interest rate on this account is low so it’s more just for transactions! Next is my high-yield savings account. Money that I’m n

2049 likes

How your 401K can help make you a millionaire

Starting to max out your 401k early can make a huge impact in how much you will have saved up in retirement. You can open a 401k with your employer, or open one up for yourself if you are self-employed. Because of the power of compounding interest, starting to contribute to your 401k in your 20&

45 likes

An image showing two elderly people sitting on a bench by the water, with text overlay 'HOW TO: 401(K) Step-By-Step', indicating a guide on managing a 401(k) for retirement planning.

A scenic image of water and sky, overlaid with text explaining that setting up and managing a 401(k) is crucial for securing one's financial future and maximizing retirement growth.

An abstract background with text instructing viewers to save the post for later and read the description below for the full step-by-step guide, accompanied by a large downward arrow.

@Welcome Baddies 1. Sign up: If your employer hasn't done it for you, sign up for the 401(k) plan. Some employers automatically enroll new employees, while others require you to enroll yourself. 2. Choose an account type: Decide between a traditional 401(k) or a Roth 401(k). Traditional

61 likes

How I went from 0 to millionaire

1️⃣ 📊 i set Clear Financial Goals: I Define my financial goals and create a plan to achieve them. Determine how much money i need to accumulate to reach the millionaire milestone and set a timeline for achieving it bare in mind this can be 1, 3 or 5,6 months it all depends on how fast you can move

27 likes

A dark background with coins falling, featuring the text "ROTH IRA VS 401k" in green and yellow, indicating a comparison of retirement accounts.

A decorative setting with perfume bottles and gold jewelry, overlaid with text stating Roth 401(k)s have higher contribution limits and allow employer matching contributions.

A warm-toned image with lit candles and a dish of pearls, displaying text about Roth IRAs offering more investment options, flexibility, and penalty-free withdrawals.

ROTH IRA vs 401k

While both Roth IRAs and Roth 401(k)s offer tax-free growth and withdrawals in retirement, they differ in contribution limits, investment options, and flexibility. Roth 401(k)s allow higher contributions and employer matches, while Roth IRAs have more investment choices and no RMDs. The best option

291 likes

A plate with a chicken croissant sandwich, watermelon slices, baby carrots, hummus, tortilla chips, and almonds, alongside a glass of water. Overlay text reads "LOSE WEIGHT WHILE EATING Get control over your diet" with "Lemon8" and "@chalie_baker" at the bottom.

Eat Better, Not Less: The 🔑 to Lasting Weight Loss

Weight loss doesn’t mean deprivation or constant hunger—it’s about understanding how to nourish your body while maintaining a calorie deficit. This guide will provide an in-depth look at the roles of macronutrients, portion control, meal timing, calorie management, healthy food swaps, and the s

225 likes

How to Invest like a Bad B*TCH #money

LET’S GET STARTED! 💸🥂 Investing doesn’t need to be scary or overcomplicated! Start slow and small. Learn as you go. BUT DON’T WAIT TO START INVESTING! Your future self will thank you for the money you invested and let grow for you. Here are 3 ways to get started: 1. Open a brokerage a

676 likes

Paycheck breakdown working in HR

Hello Everyone, today’s post is focused on budgeting. Budgeting is very important and i’m still learning how to effectively budget my money. Here is a sneak peek into my current budget breakdown. I built the template on excel and used simple formulas to calculate total spending vs planning spen

654 likes

How to invest in the stock market for a beginner

hi, guys before we begin I just wanna say I’m happy and I’m grateful that you read my content and found my content helpful. But there is just one thing I need you guys to do. I want you guys to leave comments down in the comment section, let me know what you want me to write about investing, making

63 likes

The image features two people relaxing on a boat with a scenic water and mountain background. The text overlay reads "INVESTMENT APPS TO MAKE YOU WEALTHY" with a "swipe" indicator, suggesting a list of apps.

This image describes an automated investing platform, highlighting its hands-off approach. It lists key features such as minimum deposit, fees, investment vehicles, options, and educational resources, set against a boat and water background.

The image details a micro-investing application that rounds up spare change for investment. It outlines key features including minimums, monthly fees, investment vehicles, options, and educational resources, against a serene water backdrop.

5 best apps to make you rich.

I'm excited to share with you the top 5 investment apps that can help you on your journey to becoming a millionaire. These apps offer a range of features and investment options, catering to investors of all experience levels. Let's dive in and explore how each app can contribute to your wea

16 likes

pt 2 The pro rata rule is one of the most confusing parts of doing a backdoor Roth IRA and it trips up a ton of high earners every year. Quick version of how the pro rata rule works💸: if you make too much to contribute to a Roth IRA directly, the backdoor Roth IRA is the workaround. But the second

2 likes

An infographic titled 'Maxing Out Your Roth IRA in 2026 (For Those Under 50)' details how to reach the $7,500 annual contribution limit. It shows saving $144 weekly, $288 bi-weekly, or $625 monthly, with notes on combined IRA limits, income limits, and a contribution deadline of April 2027.

How Much You Actually Need To Save To Max A Roth✨

Here’s a simple breakdown to max out a Roth IRA in 2026 (under 50): • $144/week • $288 per paycheck (bi-weekly) • $625/month Pick what fits your cash flow and automate it. Small amounts, done consistently, add up fast. #lillyb116 #rothira #personalfinance #moneyhabits #lemo

423 likes

The Best Financial Decisions To Make In Your 20s

@Welcome Baddies 1. Start investing in your retirement account from your first paycheck - Open a retirement account like a 401(k) or IRA as soon as you start earning income - Contribute a portion of each paycheck, even if it's a small amount initially - Take advantage of compound interes

583 likes

A woman in purple leggings and a grey sports bra is in a plank position, showcasing her glutes in a gym setting. Overlay text reads "BIG GLUTES +FLAT TUMMY -DEBLOAT- -NUTRITION- -WORKOUTS-" and her username.

This image explains how the StairMaster targets glutes and abs. It details how step climbing and hip extension work the glutes, and how core stability and engagement through movement strengthen the abs, with a woman on a StairMaster.

A 10-minute intense StairMaster warm-up or cooldown routine is outlined, with specific levels and durations. It notes this is not a full workout and suggests using it before or after a main session.

Ultimate Abs & Butt Workout 4 Flat Stomach & BIG🍑s

Dreaming of a small waist and a big, round butt? Trust, you're not alone and I wanna help make that happen for you! Achieving a trim waist and a peachy bum not only boosts confidence but is very much do able! The benefits of strong abs and glutes go far beyond aesthetics. 🍋Toned abs n

1646 likes

See more