Contributing authorAliza AltmanAliza Altman is a product marketing lead at Gusto, focusing on retirement.LinkedInRead more from Aliza AltmanTraditional IRA vs. Roth IRA: A comprehensive guide for savers401(k)Safe Harbor 401(k) Plans: A Guide for Business Owners in 2026401(k)The basics of compound interest and dollar-cost averagingRetirement401(k) Nondiscrimination Tests: How to Stay CompliantBenefits