Matt Ruttenberg
speaker
364 appearances
1 recordings
1 series
first heard Sep 2025
last heard 25 Sep
Matt Ruttenberg’s voice in public audio — every appearance, attributed to the second.
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Appearances
Yeah, Yvonne, thank you so much for having me on.
Always a pleasure speaking with you.
Yeah, I got my official button a couple weeks ago, so I appreciate it.
Yeah, great, great question.
Very in-depth, lots of variables, lots of wheels turning.
But let's go back to that upside down three-tiered wedding cake that you brought up.
And it's an upside down three-tiered wedding cake or a pyramid, if you will.
The bottom layer is that 401k, which is considered employee contributions or deferrals.
So if you've had a 401k in the past through a day job or something and you
submit.
I want to do 10%.
I want to do 5%.
That's a deferral.
And it's withheld out your paycheck, right?
Your W-2.
The next level up on that pyramid is employer contributions.
And profit sharing is a portion of that.
The other portion is the match, like the employee match.
Now, there's various different types of profit sharing.
The most basic form is called pro rata.
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