Designed to bolster retirement savings, catch-up contributions give you an opportunity to fast-track your financial readiness before you actually retire. Yet many people either underutilize them or ...

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).

・Starting in 2026, workers earning more than $145,000 will have to make 401(k) catch-up contributions on an after-tax (Roth) basis. ・If your employer doesn’t offer a Roth 401(k), you may lose the ...