High earners are now required to make their 401k catch-up contributions as Roth dollars, but the rule only applies to W-2 wages reported in Box 3 of your W-2. Craig at Sage Rutty explains how anyone with 1099 income, a side hustle, or a solo 401k structure can potentially route catch-up contributions as a pre-tax deduction instead of being forced into Roth, and who stands to benefit most from understanding this distinction.
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