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SECURE 2.0 Roth mandate takes effect for 2026 401(k) catch-up contributions

Verifying
  • SECURE 2.0 now requires certain workers' 401(k) catch-up contributions to enter Roth accounts.
  • $24,500 is the 2026 regular contribution limit, alongside $8,000 or $11,250 catch-up amounts.
  • Workers above $150,000 in prior-year wages are affected, subject to employer-plan Roth availability.
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