Employees over age 50 making more than $150,000 are about to lose a major tax break in 2026. Congress is eliminating the deductibility of 401(k) catch-up contributions for high earners, forcing them into Roth accounts instead.
In this episode of The Capitalist Investor, Tony and Derek break down what this means for retirement savers. They explain how the change affects your planning, why Congress is doing it, and what strategies you can use to navigate the new rules. From tax diversification to Roth conversions, get the insights you need to prepare for the future.
Whether you’re nearing retirement or just building your financial plan, this episode gives you a clear roadmap for smarter retirement savings.
Have questions? Reach out at info@swpconnect.com
Chapters
0:00 – Big tax change coming in 2026
1:00 – What’s changing with catch-up contributions
3:00 – Why Roth diversification matters
5:00 – Strategies for balancing your buckets
7:30 – Medicare surcharges and hidden tax traps
9:00 – Why the new rules are so confusing
12:00 – Government incentives and savers match explained
14:20 – Final thoughts & action items