WealthRabbit

06/02/2026

We're almost halfway through 2026. Five months down, seven to go.

If you set a contribution goal for the year back in January, this is a good week to check in on it.

The 2026 limit is $7,500 if you're under 50, $8,600 if you're 50 or older. If you've been contributing on pace, that's about $625 or $717 a month and you just need to keep going. If you haven't contributed anything yet, you'd need to average around $1,070 or $1,230 a month from June through December to max out by year end.

If you're behind, no need to panic. You have seven months. You also have until April 15, 2027 if you fall short of December.

If you're ahead, don't dial back. The savers who consistently hit their numbers are the ones who treat the contribution like a fixed monthly bill, not a variable they adjust based on how generous they feel that month.

If you don't have a recurring contribution running at all, this is the week to fix that.

06/01/2026

A CPA we work with in Texas told us something last week that stuck.

He said the hardest part of his job during tax season isn't the actual tax work. It's having the same conversation with the same 30 clients who tell him "yeah I should probably set up an IRA" every year and never do.

His clients aren't lazy. They're busy. They run businesses, raise kids, deal with life. Setting up an IRA is the kind of task that gets pushed to next week, then next month, then next April.

What changed for him this year was that he started sending those 30 clients a single WealthRabbit link. Six of them set up accounts the same day. Twelve more within two weeks. By April 15, 22 of his 30 had funded their 2025 contribution.

That's not a discipline win. That's a friction win.

If you're a CPA or advisor sitting on a list of clients who keep saying they'll get to it, our partner program can change those numbers for you. Drop a comment or send a message.

05/28/2026

We didn't start WealthRabbit because the world needed another financial platform.

We started it because we kept watching the same thing happen.

A small business owner would call their accountant in February asking how to set up a retirement plan for their 8 employees. The accountant would walk them through 401(k) options. The owner would balk at the cost and complexity. They'd consider a SIMPLE IRA instead, but most providers still required paper forms, mailed enrollments, and weeks of back and forth between the employer, the employees, and a custodian.

Most of those owners never followed through. Their employees never got a retirement plan. The owner felt bad about it, but didn't know how to fix it without giving up a month of their year.

That gap had nothing to do with willingness. It was a paperwork problem dressed up as a financial problem.

So we built WealthRabbit. The first fully digital, payroll-integrated SIMPLE IRA. Same digital experience for SEP, Traditional, Roth, and Backdoor Roth. The goal was simple: make the actual setup faster than the conversation about whether to set it up.

We're still doing that. Every day.

05/27/2026

Two government programs launched this year share almost the same name. Most people assume they're the same thing. They're not.

One is called the Trump IRA. It's for working adults.

The other is called the Trump Account. It's for newborns.

The differences between them matter, especially if you're self-employed, a parent of a young child, or someone who's been told to "just open an IRA" without anyone walking you through which one actually fits your situation.

We just published a full breakdown on Medium covering what each one actually does, who qualifies, the catches that aren't getting press coverage, and how they compare to a regular Roth, 401(k), or SEP.

Read it here: https://bit.ly/49pcAT2

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Two new government initiatives share a name but serve entirely different populations. The Trump IRA is a retirement savings platform for…

05/25/2026

Today, we pause to honor the men and women who gave their lives in service to this country.

To the families who carry that loss every day, not just today, we see you. Thank you for the sacrifice that was never yours to choose but became yours to carry.

05/22/2026

A question we get a lot. "I make too much for a Roth IRA. Am I just out of luck?"

No. There's a legal workaround called a Backdoor Roth that's been baked into the tax code for over a decade.

Here's how it works. You contribute to a Traditional IRA, which has no income limits on the contribution itself. Then you convert that Traditional IRA balance to a Roth IRA. The conversion is taxable on any pre-tax money, but if you contribute after-tax dollars and convert quickly, the tax hit is minimal.

End result: same as if you'd contributed directly to a Roth. Money grows tax free, withdrawals in retirement are tax free.

The catch has never been the strategy. It's the ex*****on. Manual contribution, manual conversion, pro rata math on any existing Traditional IRA balances, Form 8606 at tax time, and a handful of timing rules that catch people off guard.

WealthRabbit automates the whole sequence. We were the first platform to do the full Backdoor Roth as a single digital workflow.

So if you've been told you can't have a Roth because you earn too much, that's not exactly true. You've just been told the wrong thing.

05/19/2026

The biggest reason people don't max out their IRA isn't income. It's timing.

Most people try to contribute in one shot, either at year end or right before the tax deadline. They're staring down a $7,500 number trying to figure out where it comes from. And $7,500 is a hard amount to find sitting around in April without pulling it from somewhere that matters.

The people who actually max out tend to do it the same way. They take $7,500, divide by 12, and set up $625 a month as a recurring contribution. Same total, but now it's a monthly bill instead of a lump sum. $625 is roughly a phone bill. You notice it, but it doesn't hurt.

For 2026 that's $625 a month under 50, or about $717 a month if you're 50 or older.

Setting up a recurring contribution on WealthRabbit takes a few minutes. After that the account funds itself and you stop thinking about it.

05/16/2026

If you're self-employed, this is one of those rule changes that quietly went into effect and almost nobody is talking about.

You can now put up to $72,000 a year into a SEP Roth IRA. Tax-free growth. Tax-free withdrawals. No income limits. No required minimum distributions.

For context, the regular Roth IRA caps you at $7,500 and phases out at $168K of income for single filers. If you've been earning above that, you've been locked out of Roth contributions for years. SECURE 2.0 changed that, and as of 2026 the new rules are fully in play.

There are some catches worth knowing about. We just published a full breakdown on Medium that walks through what the rules actually say, the two-year SIMPLE rollover trap, the super catch-up for ages 60 to 63, and the uniform contribution rule that trips up business owners.

Read it here: https://bit.ly/4wtvh1X

If you’ve ever felt like the Roth IRA was a club you couldn’t fully get into, especially as someone self-employed or working at a small…

05/12/2026

Quick math if you're self-employed.

Most freelancers, contractors, and solo operators are saving in a Roth or Traditional IRA, which caps you at $7,500 for 2026. Doesn't matter if you net $80K or $400K, the ceiling is the same.

A SEP IRA changes the math completely. You can contribute roughly 20% of your net self-employment earnings, up to a $72,000 ceiling for 2026.

Two real examples:

A graphic designer netting $80K a year. Roth: $7,500. SEP: around $15,000.

A consultant netting $200K a year. Roth: $7,500. SEP: around $37,000.

So depending on what you earn, you're looking at 2x to 5x more in tax-advantaged contribution room. And the SEP contribution is deductible from your taxable income that year, so you're not just saving more, you're paying less in tax this year too.

Most self-employed people never make the switch because they assume the SEP is complicated. It isn't. No employees required. No annual 5500 filing. No plan document. You open it, you fund it, you take the deduction.

WealthRabbit handles the setup digitally. If you've been leaving contribution room on the table, Check it out now!

05/08/2026

Issue 5 of The Warren is live.

A quick preview of what's inside:

Why April 15 wasn't actually the last 2025 retirement deadline. Most people don't realize there's still a window open.

The median retirement savings number for the typical American worker. You'll want to read it twice.

How all five WealthRabbit portfolios stacked up against the S&P this quarter.

A story about a freelance designer who kept waiting for the market to feel right before making her contribution. The waiting cost her more than she expected.

Read the full issue: https://bit.ly/42Iw7u5

THIS MONTH The deadline passed. Nothing got clearer.