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● dblock401k.com — EST. FOR THE CULTURE ● 401(K) REBELS
STREET SMART RETIREMENT. WALL ST. RESULTS.
D-BLOCK 401K turns confusing 401(k) jargon into a block-by-block game plan. Max the match. Dodge the fees. Pick the right funds. Retire loud — not broke.
$19.5k
100%
0.30%
15%
+212% since 2014 📈
MAX THE MATCH ✦ CRUSH FEES ✦ ROTH VS TRADITIONAL ✦ ROLLOVER LIKE A BOSS ✦ 15% STACK RULE ✦ CATCH-UP AFTER 50 ✦ MAX THE MATCH ✦ CRUSH FEES ✦ ROTH VS TRADITIONAL ✦ ROLLOVER LIKE A BOSS ✦ 15% STACK RULE ✦ CATCH-UP AFTER 50 ✦
The playbook
EVERYTHING YOUR HR NEVER TOLD YOU
01
Match Maximizer
50% up to 6%? 100% up to 5%? We decode your vesting schedule, true-up, and how to never leave free money. Average worker leaves $1,336/year unclaimed.
02
Fee Assassin
Expense ratios, 12b-1, admin fees. A 1% fee steals 28% of your wealth over 35 years. We show target-date vs 3-fund portfolio that saves six figures.
03
Roth vs Traditional
Pay tax now or later? Our bracket-breaker framework for 22% vs 24% earners, mega backdoor Roth, and in-plan conversions explained plain.
04
Rollover Game
Old 401(k) from 3 jobs ago? Direct vs indirect rollover, avoid 20% withholding trap, when to roll to IRA vs keep for backdoor Roth and Rule of 55.
05
Portfolio Blocks
Age-based glidepath without the 0.65% target-date tax. Aggressive 90/10 at 25, 80/20 at 35, 60/40 near retirement. Rebalance yearly, not daily.
06
Borrow & Withdraw
401(k) loans, hardship withdrawals, Rule 72(t), Rule of 55 at 55. How to access cash without 10% penalty + taxes wrecking you.
TRUSTED BY 42,000+ STACKERS • 4.9/5 RATING
About D-Block 401K
BORN ON THE BLOCK. BUILT FOR RETIREMENT.
dblock401k.com started in 2019 when our founder watched his uncle cash out a $68,000 401(k) at 38 — paying $20,000 in taxes and penalties. That pain became a mission: make 401(k) knowledge hood-accessible, meme-proof, and math-backed.
We are not advisors selling funds. We are educators. No AUM fees. No commissions. Just plain-English breakdowns of vesting, compounding, expense ratios, and IRS rules for 2025-2026. From warehouse workers to nurses to tech bros — if you get a paycheck, you deserve a playbook.
✓
Our creed: No worker left unmatched.
Every paycheck should capture 100% of employer match before anything else — even debt payoff (except high-interest).
Every paycheck should capture 100% of employer match before anything else — even debt payoff (except high-interest).
✓
Radical transparency on money.
We publish our own portfolios, fees we pay, and mistakes we made losing $11k to a 1.02% fund in 2017.
We publish our own portfolios, fees we pay, and mistakes we made losing $11k to a 1.02% fund in 2017.
✓
From $0 to $1M blueprint.
Contribute 15%, invest in low-cost index, never cash out on job change, increase 1% yearly. Boring wins.
Contribute 15%, invest in low-cost index, never cash out on job change, increase 1% yearly. Boring wins.
Interactive
HOW RICH WILL YOUR BLOCK BE?
Assumes match on first 6% of salary, yearly compounding. For education only.
$0
Levels
PICK YOUR WEIGHT CLASS
Rookie
BLOCK STARTER
$0
- Match calculator + checklist
- Roth vs Traditional guide
- 3-fund portfolio template
- Weekly Intel newsletter
Most stacked ★ Pro
D-BLOCK PRO
$19/mo
- Personal fee X-ray (save $90k+)
- Rollover concierge + scripts
- Mega backdoor Roth workshop
- Live Q&A + glidepath reviews
- Catch-up & tax optimization
Crew
BLOCK AT WORK
Custom
- On-site 401(k) literacy bootcamps
- Enrollment uplift + match capture
- Spanish + English materials
- HR toolkit + compliance 101
No dumb questions
401(K) FAQ — REAL TALK
How much can I contribute in 2026? What happens if I quit? Should I do Roth? We answer the 6 questions every American Googles at 2AM.
How much can I put in my 401(k) for 2026? +
$23,500 if under 50, plus $7,500 catch-up if 50+. Ages 60-63 get super catch-up $11,250 under SECURE 2.0. Always check IRS update in our Intel.
Should I choose Roth or Traditional 401(k)? +
If you're in 12-22% bracket now and expect higher income later → Roth wins. In 32%+ peak earning → Traditional saves more. Unsure? Split 50/50. See calculator.
What happens to my 401(k) if I quit? +
Nothing vanishes. You can leave it, roll to new 401(k), or roll to IRA via direct rollover. Never cash out — 10% penalty + taxes. Read our rollover guides in news.
What funds should I pick? +
Default to low-cost S&P 500 index (0.03%) + total bond + international. Avoid funds over 0.30% unless no choice. Target-date is okay if expense <0.20%.
Can I borrow from my 401(k)? +
Up to 50% or $50k, pay yourself back with interest. Risk: if you leave job, repay fast or it becomes withdrawal. Use only for emergencies.
Is D-BLOCK 401K a financial advisor? +
No. Education only. We don't hold your money or sell funds. For personal advice, talk to a fiduciary. Our mission detailed in About.
Fresh off the press
401(K) INTEL & DROPS
Deep dives, IRS updates, rollover scripts, Roth hacks. Written human, checked against IRS.gov, no fluff.
Join 42k stackers
GET THE FREE MATCH CHECKLIST
One email/week. No spam. Unsubscribe anytime. Plus 2026 limits cheat-sheet PDF.
By signing you agree to our education terms. We never sell data.