Are You a High Earner? This 2026 401k Rule Changes Everything

Big changes are coming to 401(k)s in 2026! If you’re 50+ and earn $145K+, this IRS rule could directly impact your retirement strategy.

Starting January 1, 2026, high earners will be required to make their 401(k) catch-up contributions as Roth contributions, meaning you pay taxes upfront instead of deferring them until retirement.

In this video, Andrew Rafal, Founder of Bayntree Wealth Advisors, explains what this rule means for your retirement, how it could affect your savings strategy, and why planning ahead is critical.

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In this video, we break down:

✅ What the mandatory Roth catch-up rule is and who it applies to

✅ The difference between traditional vs Roth catch-up contributions

✅ How the $7,500 catch-up and $11,250 super catch-up limits work

✅ Why this may be good or bad, depending on your tax outlook

✅ Key planning strategies to avoid surprises and maximize retirement income

Whether you’re just starting catch-up contributions or planning for your late-career savings, understanding this rule is critical.