New 401(k) Catch Up Rules

https://www.youtube.com/watch?v=fy3PRtGYTPs

Two things changed with 401k catch-up contributions in 2026 that are worth understanding. If you earned over $150,000 last year, your catch-up dollars now must go into a Roth rather than pre-tax. And if you are between 60 and 63, a new super catch-up provision significantly raises the amount you can contribute. Craig explains both and why the Roth requirement is still worth doing even without the upfront deduction.