When people are in their 20s and even 30s, they often focus their finances on paying off debts, starting a family, and buying a home. By the time they start focusing more on growing a nest egg for ...

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).

The IRS has announced the 401(k) catch-up contribution limits for 2026. The 401(k) catch-up contribution limit will rise to $8,000, up from $7,500 in 2025. Investors age 60 to 63 can save $11,250 for ...

Since 2002, retirement savers age 50 and over have had the option of making “catch-up” contributions to their 401(k) plans, which are over and above the regular limits for employee contributions to ...

“This 2026 change is a wake-up call for high earners over 50. Catch-up contributions are still valuable, but the tax strategy behind them is changing dramatically.” She also cautions that not all ...

The 401(k) super catch-up provision is the government's way of helping those on the cusp of retirement sock away more funds in their 401(k) plans. It's hardly a secret that many Americans are woefully ...

Participants who are not High Earners in the prior year can continue to make pre-tax or Roth catch-up contributions, as permitted by the plan. Determining the $145,000 Threshold The threshold is ...

Many high-income taxpayers are already fully taking advantage of a company-sponsored 401(k) plan by maximizing their annual pre-tax contributions. For taxpayers over age 50, that includes taking ...

The Secure 2.0 Act of 2022 gave us the Roth catch-up mandate, a revenue raiser that has caused great consternation in the retirement plan community as plan sponsors, recordkeepers and payroll ...

With less than half of Americans on track for retirement, according to the latest Vanguard Retirement Outlook, many people feel the need to catch up. Much of the advice online can feel too generic, ...