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A clear path to financial freedom tailored for you.
Work/life balance strategies:
Create more time for family, travel, and personal passions.
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The tools to make informed financial decisions with ease.
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Simplified, actionable steps to build wealth without unnecessary complexity.
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A roadmap to design a life aligned with your goals and values.
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Educational webcasts that inspire smarter choices.
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The 4-Day Workweek Trap: How to Work Less Without Losing Your Future
The 4-Day Workweek Trap: How to Work Less Without Losing Your Future
Picture this—you swap your Friday commute for coffee with a friend, a long hike, or maybe just catching up on sleep. A 4-day workweek sounds like the dream, doesn’t it?
But here’s the catch—working one less day each week could quietly drain your retirement savings, cut your benefits, and even raise your long-term costs. That “extra” day could have a hidden price tag you didn’t see coming.
Compressed workweeks—whether it’s four 10-hour days or 32 hours spread over the week—are the hot topic for boosting work-life balance.
Productivity stays high, burnout drops, and people finally have breathing room.
So why isn’t everyone doing it? Because buried in the fine print are rules that can impact your finances, your benefits, and your future in ways you might not expect.
If you’re a business professional, executive, or entrepreneur, you’ve worked hard to build both your career and your retirement plan. But will shaving a day off your workweek bring that retirement closer—or push it further away?
I’ve helped hundreds of high-performing professionals adjust their schedules without sabotaging their long-term financial security. I’ve seen the big wins… and I’ve seen the “oops” moments when no one thought to check the numbers first.
This isn’t about scaring you away from a 4-day workweek. It’s about making sure you enjoy more time now without sacrificing your financial future.
The Hidden Traps of a Compressed Workweek
1. The Vanishing 401(k) Match
Drop below a certain number of hours or income, and your employer match could disappear—taking decades of compounding growth with it.
Quick fix: Ask HR exactly what the threshold is for keeping your full match.
2. Health Insurance Sticker Shock
Reduced hours can reclassify you as part-time, which could mean losing your group health plan, paying more for COBRA, or missing out on HSA contributions.
Quick fix: Confirm your benefits eligibility before making the change.
3. PTO, Holidays, and Bonuses on the Chopping Block
Fewer hours often mean prorated PTO, unpaid holidays, and even lost bonuses tied to “full-time” status.
4. Tax Surprises
Less income can mean a lower tax bracket (good), but it can also mean smaller retirement contributions or self-employment tax if you add a side gig.
5. Social Security Slippage
Earn too little in a year and you might lose a Social Security credit—lowering your eventual monthly benefit.
Smart Strategies to Keep Your Edge
Know Your Thresholds – Hours, pay, and benefits limits matter—get them in writing.
Fill the Gaps – Use IRAs, ROTH IRAs, Solo 401(k)s, or SEP IRAs to keep saving.
Play the Tax Game – Take advantage of lower brackets for ROTH conversions or tax-efficient investments.
Plan the Bridge – If reduced hours are a step toward retirement, map out how to use the time and money wisely.
Invest the Extra Day – Use it for consulting, networking, or sharpening your skills—not just errands.
FAQs
Q: Can a 4-day workweek help me retire earlier?
Yes—if you use the extra time to build income, improve health, and make smart financial moves.
Q: What’s the biggest mistake people make?
Not checking how reduced hours affect benefits—especially 401(k) matches and health insurance—before making the leap.
Q: How do I know if I can afford it?
Run the numbers with a financial planner who understands tax planning, benefits, and long-term compounding.
Wrapping It All Up
A 4-day workweek can be one of the best decisions you ever make—if you plan it right. Without a strategy, you could accidentally give up more than just a day’s pay.
Here’s my challenge to you: If you’ve ever considered cutting back hours, let’s run the numbers together. We’ll look at your benefits, taxes, and retirement plan to make sure your “freedom plan” actually works for your future.
📅 Book your personalized planning session today—so you can work less, stress less, and retire on your terms.
The 4-Day Workweek Trap: How to Work Less Without Losing Your Future
The 4-Day Workweek Trap: How to Work Less Without Losing Your Future
Picture this—you swap your Friday commute for coffee with a friend, a long hike, or maybe just catching up on sleep. A 4-day workweek sounds like the dream, doesn’t it?
But here’s the catch—working one less day each week could quietly drain your retirement savings, cut your benefits, and even raise your long-term costs. That “extra” day could have a hidden price tag you didn’t see coming.
Compressed workweeks—whether it’s four 10-hour days or 32 hours spread over the week—are the hot topic for boosting work-life balance.
Productivity stays high, burnout drops, and people finally have breathing room.
So why isn’t everyone doing it? Because buried in the fine print are rules that can impact your finances, your benefits, and your future in ways you might not expect.
If you’re a business professional, executive, or entrepreneur, you’ve worked hard to build both your career and your retirement plan. But will shaving a day off your workweek bring that retirement closer—or push it further away?
I’ve helped hundreds of high-performing professionals adjust their schedules without sabotaging their long-term financial security. I’ve seen the big wins… and I’ve seen the “oops” moments when no one thought to check the numbers first.
This isn’t about scaring you away from a 4-day workweek. It’s about making sure you enjoy more time now without sacrificing your financial future.
The Hidden Traps of a Compressed Workweek
1. The Vanishing 401(k) Match
Drop below a certain number of hours or income, and your employer match could disappear—taking decades of compounding growth with it.
Quick fix: Ask HR exactly what the threshold is for keeping your full match.
2. Health Insurance Sticker Shock
Reduced hours can reclassify you as part-time, which could mean losing your group health plan, paying more for COBRA, or missing out on HSA contributions.
Quick fix: Confirm your benefits eligibility before making the change.
3. PTO, Holidays, and Bonuses on the Chopping Block
Fewer hours often mean prorated PTO, unpaid holidays, and even lost bonuses tied to “full-time” status.
4. Tax Surprises
Less income can mean a lower tax bracket (good), but it can also mean smaller retirement contributions or self-employment tax if you add a side gig.
5. Social Security Slippage
Earn too little in a year and you might lose a Social Security credit—lowering your eventual monthly benefit.
Smart Strategies to Keep Your Edge
Know Your Thresholds – Hours, pay, and benefits limits matter—get them in writing.
Fill the Gaps – Use IRAs, ROTH IRAs, Solo 401(k)s, or SEP IRAs to keep saving.
Play the Tax Game – Take advantage of lower brackets for ROTH conversions or tax-efficient investments.
Plan the Bridge – If reduced hours are a step toward retirement, map out how to use the time and money wisely.
Invest the Extra Day – Use it for consulting, networking, or sharpening your skills—not just errands.
FAQs
Q: Can a 4-day workweek help me retire earlier?
Yes—if you use the extra time to build income, improve health, and make smart financial moves.
Q: What’s the biggest mistake people make?
Not checking how reduced hours affect benefits—especially 401(k) matches and health insurance—before making the leap.
Q: How do I know if I can afford it?
Run the numbers with a financial planner who understands tax planning, benefits, and long-term compounding.
Wrapping It All Up
A 4-day workweek can be one of the best decisions you ever make—if you plan it right. Without a strategy, you could accidentally give up more than just a day’s pay.
Here’s my challenge to you: If you’ve ever considered cutting back hours, let’s run the numbers together. We’ll look at your benefits, taxes, and retirement plan to make sure your “freedom plan” actually works for your future.
📅 Book your personalized planning session today—so you can work less, stress less, and retire on your terms.
The 4-Day Workweek Trap: How to Work Less Without Losing Your Future
The 4-Day Workweek Trap: How to Work Less Without Losing Your Future
Picture this—you swap your Friday commute for coffee with a friend, a long hike, or maybe just catching up on sleep. A 4-day workweek sounds like the dream, doesn’t it?
But here’s the catch—working one less day each week could quietly drain your retirement savings, cut your benefits, and even raise your long-term costs. That “extra” day could have a hidden price tag you didn’t see coming.
Compressed workweeks—whether it’s four 10-hour days or 32 hours spread over the week—are the hot topic for boosting work-life balance.
Productivity stays high, burnout drops, and people finally have breathing room.
So why isn’t everyone doing it? Because buried in the fine print are rules that can impact your finances, your benefits, and your future in ways you might not expect.
If you’re a business professional, executive, or entrepreneur, you’ve worked hard to build both your career and your retirement plan. But will shaving a day off your workweek bring that retirement closer—or push it further away?
I’ve helped hundreds of high-performing professionals adjust their schedules without sabotaging their long-term financial security. I’ve seen the big wins… and I’ve seen the “oops” moments when no one thought to check the numbers first.
This isn’t about scaring you away from a 4-day workweek. It’s about making sure you enjoy more time now without sacrificing your financial future.
The Hidden Traps of a Compressed Workweek
1. The Vanishing 401(k) Match
Drop below a certain number of hours or income, and your employer match could disappear—taking decades of compounding growth with it.
Quick fix: Ask HR exactly what the threshold is for keeping your full match.
2. Health Insurance Sticker Shock
Reduced hours can reclassify you as part-time, which could mean losing your group health plan, paying more for COBRA, or missing out on HSA contributions.
Quick fix: Confirm your benefits eligibility before making the change.
3. PTO, Holidays, and Bonuses on the Chopping Block
Fewer hours often mean prorated PTO, unpaid holidays, and even lost bonuses tied to “full-time” status.
4. Tax Surprises
Less income can mean a lower tax bracket (good), but it can also mean smaller retirement contributions or self-employment tax if you add a side gig.
5. Social Security Slippage
Earn too little in a year and you might lose a Social Security credit—lowering your eventual monthly benefit.
Smart Strategies to Keep Your Edge
Know Your Thresholds – Hours, pay, and benefits limits matter—get them in writing.
Fill the Gaps – Use IRAs, ROTH IRAs, Solo 401(k)s, or SEP IRAs to keep saving.
Play the Tax Game – Take advantage of lower brackets for ROTH conversions or tax-efficient investments.
Plan the Bridge – If reduced hours are a step toward retirement, map out how to use the time and money wisely.
Invest the Extra Day – Use it for consulting, networking, or sharpening your skills—not just errands.
FAQs
Q: Can a 4-day workweek help me retire earlier?
Yes—if you use the extra time to build income, improve health, and make smart financial moves.
Q: What’s the biggest mistake people make?
Not checking how reduced hours affect benefits—especially 401(k) matches and health insurance—before making the leap.
Q: How do I know if I can afford it?
Run the numbers with a financial planner who understands tax planning, benefits, and long-term compounding.
Wrapping It All Up
A 4-day workweek can be one of the best decisions you ever make—if you plan it right. Without a strategy, you could accidentally give up more than just a day’s pay.
Here’s my challenge to you: If you’ve ever considered cutting back hours, let’s run the numbers together. We’ll look at your benefits, taxes, and retirement plan to make sure your “freedom plan” actually works for your future.
📅 Book your personalized planning session today—so you can work less, stress less, and retire on your terms.
The 4-Day Workweek Trap: How to Work Less Without Losing Your Future
The 4-Day Workweek Trap: How to Work Less Without Losing Your Future
Picture this—you swap your Friday commute for coffee with a friend, a long hike, or maybe just catching up on sleep. A 4-day workweek sounds like the dream, doesn’t it?
But here’s the catch—working one less day each week could quietly drain your retirement savings, cut your benefits, and even raise your long-term costs. That “extra” day could have a hidden price tag you didn’t see coming.
Compressed workweeks—whether it’s four 10-hour days or 32 hours spread over the week—are the hot topic for boosting work-life balance.
Productivity stays high, burnout drops, and people finally have breathing room.
So why isn’t everyone doing it? Because buried in the fine print are rules that can impact your finances, your benefits, and your future in ways you might not expect.
If you’re a business professional, executive, or entrepreneur, you’ve worked hard to build both your career and your retirement plan. But will shaving a day off your workweek bring that retirement closer—or push it further away?
I’ve helped hundreds of high-performing professionals adjust their schedules without sabotaging their long-term financial security. I’ve seen the big wins… and I’ve seen the “oops” moments when no one thought to check the numbers first.
This isn’t about scaring you away from a 4-day workweek. It’s about making sure you enjoy more time now without sacrificing your financial future.
The Hidden Traps of a Compressed Workweek
1. The Vanishing 401(k) Match
Drop below a certain number of hours or income, and your employer match could disappear—taking decades of compounding growth with it.
Quick fix: Ask HR exactly what the threshold is for keeping your full match.
2. Health Insurance Sticker Shock
Reduced hours can reclassify you as part-time, which could mean losing your group health plan, paying more for COBRA, or missing out on HSA contributions.
Quick fix: Confirm your benefits eligibility before making the change.
3. PTO, Holidays, and Bonuses on the Chopping Block
Fewer hours often mean prorated PTO, unpaid holidays, and even lost bonuses tied to “full-time” status.
4. Tax Surprises
Less income can mean a lower tax bracket (good), but it can also mean smaller retirement contributions or self-employment tax if you add a side gig.
5. Social Security Slippage
Earn too little in a year and you might lose a Social Security credit—lowering your eventual monthly benefit.
Smart Strategies to Keep Your Edge
Know Your Thresholds – Hours, pay, and benefits limits matter—get them in writing.
Fill the Gaps – Use IRAs, ROTH IRAs, Solo 401(k)s, or SEP IRAs to keep saving.
Play the Tax Game – Take advantage of lower brackets for ROTH conversions or tax-efficient investments.
Plan the Bridge – If reduced hours are a step toward retirement, map out how to use the time and money wisely.
Invest the Extra Day – Use it for consulting, networking, or sharpening your skills—not just errands.
FAQs
Q: Can a 4-day workweek help me retire earlier?
Yes—if you use the extra time to build income, improve health, and make smart financial moves.
Q: What’s the biggest mistake people make?
Not checking how reduced hours affect benefits—especially 401(k) matches and health insurance—before making the leap.
Q: How do I know if I can afford it?
Run the numbers with a financial planner who understands tax planning, benefits, and long-term compounding.
Wrapping It All Up
A 4-day workweek can be one of the best decisions you ever make—if you plan it right. Without a strategy, you could accidentally give up more than just a day’s pay.
Here’s my challenge to you: If you’ve ever considered cutting back hours, let’s run the numbers together. We’ll look at your benefits, taxes, and retirement plan to make sure your “freedom plan” actually works for your future.
📅 Book your personalized planning session today—so you can work less, stress less, and retire on your terms.
Connect with me today!
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The 4-Day Workweek Trap: How to Work Less Without Losing Your Future
The 4-Day Workweek Trap: How to Work Less Without Losing Your Future
Picture this—you swap your Friday commute for coffee with a friend, a long hike, or maybe just catching up on sleep. A 4-day workweek sounds like the dream, doesn’t it?
But here’s the catch—working one less day each week could quietly drain your retirement savings, cut your benefits, and even raise your long-term costs. That “extra” day could have a hidden price tag you didn’t see coming.
Compressed workweeks—whether it’s four 10-hour days or 32 hours spread over the week—are the hot topic for boosting work-life balance.
Productivity stays high, burnout drops, and people finally have breathing room.
So why isn’t everyone doing it? Because buried in the fine print are rules that can impact your finances, your benefits, and your future in ways you might not expect.
If you’re a business professional, executive, or entrepreneur, you’ve worked hard to build both your career and your retirement plan. But will shaving a day off your workweek bring that retirement closer—or push it further away?
I’ve helped hundreds of high-performing professionals adjust their schedules without sabotaging their long-term financial security. I’ve seen the big wins… and I’ve seen the “oops” moments when no one thought to check the numbers first.
This isn’t about scaring you away from a 4-day workweek. It’s about making sure you enjoy more time now without sacrificing your financial future.
The Hidden Traps of a Compressed Workweek
1. The Vanishing 401(k) Match
Drop below a certain number of hours or income, and your employer match could disappear—taking decades of compounding growth with it.
Quick fix: Ask HR exactly what the threshold is for keeping your full match.
2. Health Insurance Sticker Shock
Reduced hours can reclassify you as part-time, which could mean losing your group health plan, paying more for COBRA, or missing out on HSA contributions.
Quick fix: Confirm your benefits eligibility before making the change.
3. PTO, Holidays, and Bonuses on the Chopping Block
Fewer hours often mean prorated PTO, unpaid holidays, and even lost bonuses tied to “full-time” status.
4. Tax Surprises
Less income can mean a lower tax bracket (good), but it can also mean smaller retirement contributions or self-employment tax if you add a side gig.
5. Social Security Slippage
Earn too little in a year and you might lose a Social Security credit—lowering your eventual monthly benefit.
Smart Strategies to Keep Your Edge
Know Your Thresholds – Hours, pay, and benefits limits matter—get them in writing.
Fill the Gaps – Use IRAs, ROTH IRAs, Solo 401(k)s, or SEP IRAs to keep saving.
Play the Tax Game – Take advantage of lower brackets for ROTH conversions or tax-efficient investments.
Plan the Bridge – If reduced hours are a step toward retirement, map out how to use the time and money wisely.
Invest the Extra Day – Use it for consulting, networking, or sharpening your skills—not just errands.
FAQs
Q: Can a 4-day workweek help me retire earlier?
Yes—if you use the extra time to build income, improve health, and make smart financial moves.
Q: What’s the biggest mistake people make?
Not checking how reduced hours affect benefits—especially 401(k) matches and health insurance—before making the leap.
Q: How do I know if I can afford it?
Run the numbers with a financial planner who understands tax planning, benefits, and long-term compounding.
Wrapping It All Up
A 4-day workweek can be one of the best decisions you ever make—if you plan it right. Without a strategy, you could accidentally give up more than just a day’s pay.
Here’s my challenge to you: If you’ve ever considered cutting back hours, let’s run the numbers together. We’ll look at your benefits, taxes, and retirement plan to make sure your “freedom plan” actually works for your future.
📅 Book your personalized planning session today—so you can work less, stress less, and retire on your terms.
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DISCLAIMER:
The content is developed from sources believed to be providing accurate information. This material is not intended as investment, tax, or legal advice, it is for educational and informational purposes only. Please consult legal, investment, or tax professionals for specific information regarding your individual situation. Please visit rbcapitalmanagement.com for all information and disclosures relating to investment advisory services. Investment advice is not offered or solicited through this website. This material was developed and produced by Rob Leiphart, CFP® to provide information and education on topics that may be of interest to you.