Craig Wear, CFP®Craig Wear, CFP® | Expert in Roth Conversions & Tax-Efficient Retirement Strategies for IRA Millionaires

The 2025 limits are out. $7,000 for Roth IRAs - $23,500 for 401(k)s.

23 Oct 2025 · 1 min

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0:43

Short YouTube video/transcript by Craig Wear, CFP® announcing 2025 retirement contribution limits: 401(k) limit increased to $23,500 and Roth IRA limit remains $7,000 (~$583/month). The speaker gives brief investment guidance—favoring index funds/ETFs for low-cost diversification or selecting individual stocks—and mentions the backdoor Roth for high earners.

Questions this video answers

$23,500

$7,000 per year (about $583/month)

Chapters

Roth IRA limits just came out for 2025. For 2025, the 401k limit went up to $23,500. The Roth IRA limit is still $7,000 a year, which is about just under $600 a month. But what should you invest in? Well, you got a lot of options, but a couple of the more favorite are number one is maybe index funds and exchange traded funds or ETFs. They're simple, they're low cost, they're diversified, and most of them are passive managed. Or you could use individual stocks that you really believe will still be thriving at retirement or for the next several years. So think Apple, Costco, Google, that sort of thing. But if you earn too much for a regular Roth ira, look into a backdoor Roth and you can get more information about that.