Can You Have an IRA and a 401k? Supercharge Your Savings

January 19, 2026

Yes, you absolutely can have both an IRA and a 401(k) at the same time. This is one of the most common questions people ask when they start getting serious about retirement. The good news is, not only is it allowed, but for many people, it’s a fantastic strategy to really accelerate their savings. Think of it as having two different but powerful tools in your financial workshop. Each one has its own job to do, and using them together can help you build a much stronger financial future. ...