In 2026, 401(k) rules are changing for higher earners, with new contribution limits and catch-up limits. If you earn over $145,000 in 2025, you’ll have to make your catch-up Roth-style. Despite losing a tax break, there are benefits to this change. Roth 401(k)s offer tax-free growth and withdrawals, with more control over your money. However, if your employer doesn’t offer a Roth option, catch-up contributions may not be available. Consider diversifying your retirement savings for tax advantages. Additionally, learn about potential Social Security benefits that could boost your retirement income by $23,760 per year.

Read more at Nasdaq.: 401(k) Rules Are Changing for Higher Earners in 2026. Here’s What You Need to Know.