The 2026 Roth Catch-Up Rule Just Changed The Math For Every Nurse Over 50

The IRS didn't reduce this tax break for high-earning nurses over 50. They took it away. Starting this year, catch-up contributions can no longer go in pre-tax if your wages cross $150,000, and most CRNAs and NPs haven't adjusted their plan for it.In this episode of MoneyRx for CRNAs, Brett Fellows, CFP, walks through the new Mandatory Roth Catch-Up Rule, what it costs the people who ignore it, and three accounts most CRNAs and NPs are not using together that can more than offset the change. He walks through a hypothetical CRNA named Dana to show what structuring it properly can mean over time.Brett Covers:Why catch-up contributions now have to go into Roth accounts for anyone whose wages cross $150,000What it actually costs this April if your plan defaults you into Roth and you don't adjust anythingWhy most CRNAs and NPs are only using one of the three tax-advantaged accounts available to themHow the 457(b) special three-year catch-up and a solo 401(k) can offset the new Roth mandateWhat structuring all three accounts properly could mean over a hypothetical 14-year periodKey Timestamps:(0:18) The retirement rule that quietly changed for nurses over 50(3:16) How the Mandatory Roth Catch-Up Rule works under Secure 2.0(5:55) What doing nothing costs you this April(8:10) Why this is an awareness mistake, not a financial one(8:40) The three accounts most CRNAs and NPs aren't using together(13:50) Case study: Dana, a 51-year-old CRNA earning $230,000(17:55) The dollar difference between reacting and structuring it right(20:41) The exact questions to ask your plan administrator(25:50) How to get help modeling your own numbersFor more information and resources related to this episode, please visit the show notes.