No Non-Cents Blog

The New 401(k) Rule That Could Change Your Retirement Tax Strategy in 2026 Starting in 2026, one of the most under-the-radar changes to retirement plans in years goes into effect — and it’s aimed squarely at high earners over 50. If you’ve enjoyed using pre-tax 401(k) catch-up contributions to lower your tax bill, Uncle Sam would like a word. What’s Changing? If you are age 50 or older and earned more than $145k (indexed for inflation) in the prior year, any catch-up contribu