Roth catch-up mandate reshapes 401(k)s for high earners in 2026

Your 401(k) catch-up contribution now works differently if you earn more than $150,000, under a change that took effect on Jan. 1, 2026. Workers aged 50 and older who have relied on pre-tax catch-up deferrals to lower their current tax bill will lose that option entirely. The shift stems from ...