01/02/2026
The IRS announced higher retirement contribution limits — which means more tax-advantaged money in your pocket if you plan correctly.
Here’s what’s changing ⬇️
💰 401(k), 403(b), 457 Plans
• Employee contribution limit ➡️ $24,500
🧓 Catch-Up Contributions
• Age 50+ ➡️ $8,000
• Ages 60–63 ➡️ $11,250 (SECURE 2.0 provision)
💵 IRAs (Traditional & Roth)
• Contribution limit ➡️ $7,500
• Catch-up (50+) ➡️ $1,100
📈 Why this matters
• More room to reduce taxable income
• More long-term tax-advantaged growth
• Better planning opportunities for high earners & business owners
⚠️ Reminder: Higher limits don’t help if you’re not optimizing your strategy.
👉 The real question: How do you actually take advantage of this?
Is it maxing out? Backdoor Roths? Solo 401(k)? Timing contributions correctly?
💬 Comment “HOW” and I’ll break down strategies