The 2026 retirement rules turn what used to be a quiet back-of-the-envelope decision into a real compliance test for anyone using a 401(k). The core shift is simple but consequential: higher earners ...
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).