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2026 Retirement Rule Change for 401(k) Catch Up Contributions
A popular retirement tax break for catch-up contributions ends in 2026 for higher-income earners. A provision in the 2022 Secure 2.0 Act no longer allows high earners making $145,000 or more to put their catch-up contributions into a traditional 401(k) but must put them into a Roth 401(k), losing the upfront tax break on their contributions.
The following article by Eric Revell covers how this could affect you. About 95% of employers have added Roth plans, but if your employer doesn’t have one, you may not be able to make any catch-up contributions. Read the full article here…
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