[Verse 1] Welcome to the world of qualified plans Where employers help their workers save Four-oh-one-kay leads the dance floor Traditional or Roth, pick your way Twenty-three thousand yearly limit Plus seven thousand if you're fifty-plus Employer matches, free money flowing Don't leave dollars gathering dust [Chorus] Qualified plans, your future's foundation ERISA guards with regulation SEP and SIMPLE for small firms RMDs when seventy-three confirms Remember the rules, know your options Tax-deferred or Roth adoptions Qualified plans, secure your days Navigate the retirement maze [Verse 2] Defined benefit promises payments Based on salary, years of service earned Actuaries calculate the funding Complex formulas, tables turned ERISA protects your benefits Nondiscrimination tests ensure Highly compensated can't dominate Keep the playing field secure [Chorus] Qualified plans, your future's foundation ERISA guards with regulation SEP and SIMPLE for small firms RMDs when seventy-three confirms Remember the rules, know your options Tax-deferred or Roth adoptions Qualified plans, secure your days Navigate the retirement maze [Bridge] SEP-IRAs, twenty-five percent or sixty-six SIMPLE plans for smaller tricks Three percent matching, two percent non-elective Small business solutions, quite effective [Verse 3] SECURE Two-Point-Oh changed the game RMDs pushed to seventy-three Roth conversions, strategic timing Pay taxes now to set funds free Traditional deferrals, tax today Roth contributions, tax-free growth Plan your retirement strategy wisely Honor your future financial oath [Chorus] Qualified plans, your future's foundation ERISA guards with regulation SEP and SIMPLE for small firms RMDs when seventy-three confirms Remember the rules, know your options Tax-deferred or Roth adoptions Qualified plans, secure your days Navigate the retirement maze [Outro] From contribution limits to distribution time Tax law builds your retirement rhyme
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