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Why $150K Earners Got Quietly Reclassified

Most savers still don't realize the catch-up rules that quietly changed on January 1 are already costing them.

Most found out by accident — a line on a statement, a question from HR.

Here is what slipped through.

$11,250
super catch-up 60–63

−$4,163
tax deduction stripped at 37%

2026 mandate now active

Earn over $150,000 in 2025? Your 2026 catch-ups must now be Roth — after-tax only.

Pretax catch-ups for high earners — gone.

Plans without a Roth option — blocked entirely.

With half the year already gone, every paycheck without the right setup is compounding the cost.

This free guide shows what changed and the moves prepared savers are making right now.

GET THE 2026 GUIDE →

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