New 401k Catch-Up Rules for Ages 60-63 in 2026

In 2026, SECURE 2.0 introduces a super-sized catch-up contribution for workers aged 60 to 63, allowing up to an extra $11,250 in your 401k. Lucas and Luna break down the new limits, the Roth catch-up mandate for high earners, and how to decide between traditional and Roth contributions. They use the example of a 62-year-old who can now defer an additional $18,750 per year, and discuss strategies for optimizing these contributions alongside other retirement planning moves. Plus, a quick note on why this show stays ad-free and how listeners can support it. #SECURE2.0 #CatchUpContributions #401k #RetirementPlanning #RothIRA #TaxStrategy #RetirementSavings #Age60To63 #2026TaxRules #EmployeeBenefits #PersonalFinance #FexingoBusiness #BusinessPodcast #RetirementPodcast #FinancialPlanning #IRA #SavingForRetirement #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo