Should You Be Paying Taxes on Your Employer Match? Here’s What Changed | EP 56

Make It Personal Podcast · Jan 29, 2026 · 3m

Ever wonder if your employer's 401(k) match can grow tax-free like your Roth contributions? You’re not alone, and thanks to a recent law change, the answer might surprise you.

In this episode of Make It Personal, we tackle a smart question from Jennifer about how employer contributions work when you’re saving into a Roth 401(k). For years, the rules were straightforward: your contributions could be Roth, but your employer's match? Always pre-tax. But with the SECURE 2.0 Act, the game has changed, and many people don’t realize what’s now possible.

Key takeaways:

→ Employer matches used to only…