What’s Happening?

• Ages 60–63 get a “super catch-up” contribution of $11,250 in 2025.
• Starting 2026, all catch-ups for high earners must be Roth. No more deferring taxes into oblivion.

Why Act Now?

• If you’re 60–63, max that super catch-up before 2025 ends.
• If your plan doesn’t allow Roth catch-ups, tell HR (or yourself if you’re self-employed) to update it before 2026.

Example

Lisa, 62, adds $11,250 extra into her 401(k) this year. Big win. Next year, if she earns $200k+, those catch-ups must go into Roth. Future Lisa will thank Current Lisa.

Disclaimer: This blog is for educational purposes only and should not be considered legal or tax advice.
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