In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).

Nearing retirement but not sure whether you have enough saved? While there isn't a time machine that can take you back to when you first started working, rules around 401(k)s and other retirement ...

One of the most valuable benefits for retirement savers age 50 and older is about to change. Starting in 2026, workers earning more than $145,000 will not be able to make pre-tax catch-up ...

On September 15, the IRS issued final Treasury regulations implementing provisions of the SECURE 2.0 Act related to age-50 catch-up contributions under employer-sponsored retirement plans. While many ...

Starting in 2026, Americans aged 50 and older earning over $145,000 must make their 401(k) catch-up contributions to a Roth account. This new rule means high-earning older workers will pay taxes on ...