[Verse 1] Sarah works at forty-two, wants to save for when she's through Four-oh-one K is the way, twenty-three thousand she can pay Each year in contributions made, before the tax man gets his grade Employer matches fifty cents for every dollar that she spends [Chorus] Qualified plans, they're the way to go Tax-deferred growth, watch your money grow RMDs at seventy-three, required minimum you'll see Four-oh-one K, SEP, and SIMPLE too Retirement planning made for me and you [Verse 2] Roth four-oh-one K's different scene, pay taxes now but future's clean Defined benefit guarantees, monthly payments, if you please ERISA rules protect your rights, nondiscrimination fights Making sure the boss can't take more than his fair worker's stake [Chorus] Qualified plans, they're the way to go Tax-deferred growth, watch your money grow RMDs at seventy-three, required minimum you'll see Four-oh-one K, SEP, and SIMPLE too Retirement planning made for me and you [Verse 3] Small business owners, here's your chance, SEP-IRAs will enhance Twenty-five percent you'll save, for every worker, be their slave SIMPLE plans are easier still, three percent employer will Match contributions, keep it fair, every worker gets their share [Bridge] SECURE Two-Point-Oh changed the game Seventy-three's the RMD name Roth conversions, pay tax today For tax-free growth along the way Strategy matters, timing's key Consult your tax professional, you see [Chorus] Qualified plans, they're the way to go Tax-deferred growth, watch your money grow RMDs at seventy-three, required minimum you'll see Four-oh-one K, SEP, and SIMPLE too Retirement planning made for me and you [Outro] From contribution limits high to funding requirements, my oh my Qualified plans will pave the road to your secure retirement code
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