Big Changes Coming For 401(k) Savers Over 50 In 2026
About this episode
Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, we're exploring an important change coming to 401k plans in 2026.
If you're participating in your 401k plan at work, if you're over 50, you're planning to maximize your contributions including the additional catch-up contribution, and you're going to make more than $145,000 in wages from your employer in 2025 - listen up! This is going to impact you!
Here's the change: Starting in 2026, all of your catch up contributions must be made into a Roth 401k.
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