How the SECURE 2.0 Act Changed Catch-Up Contributions

Starting January 2026, the SECURE 2.0 Act raises the catch-up contribution limit for people aged 60 to 63 to the greater of $10,000 or 150% of the standard catch-up amount—indexed for inflation after 2025. But there's a catch: all catch-up contributions for those earning over $145,000 must now go into a Roth account, not traditional pre-tax. Lucas and Luna walk through the mechanics, the phase-in, and who should adjust their savings strategy now. They also discuss the new 'starter 401(k)' provision for small businesses and how the rules differ for SIMPLE IRAs. A practical guide to a law that quietly reshapes retirement saving for millions of older workers. #RetirementPlanning #SECURE2.0 #CatchUpContributions #Roth401k #401k #IRA #Finance #Business #PersonalFinance #FexingoBusiness #BusinessPodcast #Fexingo #LucasAndLuna #TaxPlanning #RetirementSavings #SECUREAct #OlderWorkers #WealthManagement Keep every episode free: buymeacoffee.com/fexingo