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).
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 ...
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