If you have a 401(k) through work, there's a chance your employer offers a Roth 401(k) option — and it's becoming more common. According to Vanguard, 86% of their 401(k) plans included a Roth feature ...

Learn about the new 401K rules for catch-up contributions and how they impact high-earning workers age 50 and older.

In January 2026, the new Roth catch-up rules take effect. The mandate prevents workers over 50 who earned more than $150,000 the prior year from making pre-tax catch-up contributions to their 401(k).

Starting in 2026, the 401(k) contribution limit is $24,500, up from $23,000 in 2025. Investors age 50 and older also get a higher catch-up contribution cap of $8,000 for 2026. However, most ...

A popular tax break for workers nearing retirement age to make extra catch-up contributions is changing next year, which will limit access to some high earners. The IRS issued new regulations last ...

Some workers are maxing out their 401(k)s, but many still face shortfalls and may need to take extra steps to strengthen their retirement readiness.