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Roth Catch-Up Contributions Starting 2026 | Durham News
Starting January 1, 2026, high earners over 50 will face a new 401(k) rule: if you make over $150K from your employer, your catch-up contributions will automatically go into a Roth account—meaning you pay taxes now instead of later. This change, delayed from the SECURE 2.0 Act, doesn’t apply to side gigs or spousal income. While you still choose traditional or Roth for lower earners, those above the threshold lose the tax deduction. Most plans already offer Roth options, and employer matches stay pre-tax. The trade-off? Pay more now for tax-free withdrawals in retirement. Listen in…
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