John O'Reilly June 4, 2026 401(k), Financial Planning The Retirement Plan You Thought You Couldn't Afford Might Now Be Nearly Free John O'Reilly June 4, 2026 401(k), Financial Planning If you’ve put off offering a retirement plan because of cost, the math has quietly changed. Federal tax credits now cover most — sometimes nearly all — of the cost of getting started. Who qualifies, and why now.