How Should I Invest Outside of a 401(k)?

Ramsey Everyday Millionaires

Ramsey Network

Careers, Investing, Business

4.6 • 3.6K Ratings

🗓️ 17 November 2025

⏱️ 5 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	This episode is brought to you by SmartVestor.
0:07.9	Connect with an investing pro near you at Ramsey Solutions.com slash SmartVestor.
0:13.7	All right.
0:14.2	Up next we have Jay in Anchorage, Alaska.
0:17.9	Hey, Jay.
0:18.4	Welcome to the show.
0:19.8	Thank you for taking my call.
0:21.4	How can we help?
0:22.9	Yeah, so I just received a promotion at work in the new compensation package makes me
0:28.3	ineligible to contribute to the company 401K plan.
0:31.6	So they've offered a different plan, pre-tax dollars, a small match, but it's unqualified.
0:38.4	I'm curious what your thoughts are on on qualified plans and this is the right yeah what I'm curious
0:42.7	why you're not able to contribute to the 401k because you chose a different
0:46.3	package for a benefit for your benefits no the the they have told me that if
0:51.5	the compensation exceeds a certain amount the plan is not able to be contributed to.
0:56.3	Oh, got it.
0:57.4	Okay.
0:58.2	So are you a very high earner?
1:01.3	Evidently so.
1:02.7	Okay.
1:03.0	So I can't, yeah, so I can't contribute to the 401k anymore.
1:06.4	So explain to us what your options are again?
	...

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