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Most Americans saving for retirement don’t realize that 401(k) rules are changing in 2026. If you’re over 50 and earning more than $150,000, the government is changing how 401(k) catch-up contributions are taxed. In the past, many people used catch-up contributions to lower their taxes by putting extra money into their pre-tax 401(k). But under the new rule starting in 2026, those catch-up contributions must go into the Roth side of your 401(k), which means you’ll pay taxes on that money today i
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