A 47-year-old dual-income couple pulling $400,000 in W-2 wages has already done the obvious: both spouses max their employee ...

Higher-income earners must make 401(k) catch-up contributions with after-tax dollars and place them in a Roth account.

Switching to a Roth 401(k) near retirement can be a good move that shields you from taxes when you are ready to live off your ...

Higher 2026 limits: The employee contribution cap rises to $24,500, with total combined employee-employer contributions reaching $72,000. Bigger catch-ups: Those 50+ can add $8,000 more, while ages 60 ...

The standard 401 (k) contribution limit for 2025 is $23,500. If you're over 50, you can add another $7,500 in catch-up contributions, bringing your total to $31,000. For workers 60 to 63, there is a ...

That Caps Out by Summer A 41-year-old enterprise software sales executive earning $310,000 base plus $190,000 in variable ...

Higher contribution limits: The 2026 IRS limit for 401(k), 403(b), and 457 plans rises to $24,500, with additional catch-up allowances for older workers. Roth-only catch-up: High earners over $150,000 ...

Those with extra savings may be missing out on tax‑free growth. Learn when a mega backdoor Roth makes sense, how it works ...

Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed. Khadija Khartit is a strategy, investment, ...

If you’re still contributing to your 401(k) the same way you were five years ago—same percentage, same tax treatment—you may be leaving opportunity (or flexibility) on the table. In 2026, contribution ...

You elected the Roth option for your employer match because you wanted tax-free growth for your retirement savings. Your paycheck looked the same, your 401(k) balance kept climbing, and everything ...