Your Retirement Starts Today: Guide + 2 Bonuses

Your job offers a 401(k). They mentioned it on day one in a stack of paperwork, and you still haven't signed up. You're not alone: retirement feels far away and "investing" sounds like something for people with a lot of money. This guide explains the plan without jargon and tells you how to sign up, step by step.

When you finish it, you'll be able to:

- Understand what a 401(k) is and how it works

- Know how much your employer adds with the match

- Pick your investments without being an expert

- Sign up this week, step by step

It's for you if:

- Your employer offers a 401(k) and you don't use it

- You don't know what the match is

- Investing makes you nervous

This bundle includes 3 PDFs:

- The guide "Your Retirement Starts Today: The 401(k) Explained in One Afternoon" (11 pages)

- Bonus 1: The "How Much Do I Need" Calculator (6 pages)

- Bonus 2: The 5 Questions for Your HR Department (5 pages)

This guide is educational and isn't investment advice. All investing carries risk, and the rules of your plan (match, vesting, available funds) depend on your employer: confirm them with HR or a licensed advisor.