STOP Contributing to Your Roth 401(k) in 2026 (Do This Instead)
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STOP Contributing to Your Roth 401(k) in 2026 (Do This Instead)
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Is your 401(k) actually costing you money? In this deep dive, we uncover the massive changes coming to the US tax code in 2026 that turn conventional retirement wisdom on its head. If you are a high earner (making over $145k), the IRS has a new "trap" waiting for you in the Secure 2.0 Act.
We break down the math on why 91% of investors are choosing the wrong account, explain the "Marginal vs. Effective" tax rate fallacy that ruins retirement plans, and reveal the specific 4-year window where "Super Catch-Up" contributions can shield over $35,000 from taxes.
In this episode, we cover:
The 2026 Numbers: New limits for Base and Catch-Up contributions.
The "High Earner" Mandate: Why you might be banned from pre-tax catch-ups.
The Employer Match Tax Bomb: Why your "free money" isn't free anymore.
The "Super Roth" Strategy: The one scenario where the wealthy should choose Roth.
Disclaimer: This episode is for informational purposes only and does not constitute professional financial or tax advice. Please consult with a CPA or financial advisor regarding your specific situation.
0:00 - Intro: Why Friday the 13th is the perfect date for 2026 taxes.
1:18 - The New Landscape: Inflation adjustments & $24,500 limits.
2:30 - The "Special Catch-Up" Cheat Code (Ages 60-63).
4:10 - The High Earner Trap: The $145k rule explained.
6:28 - The Employer Match Revolution: Taxes on your company match?
7:50 - The Great Debate: Traditional vs. Roth Math (Marginal vs. Effective Rates).
10:15 - The 91% Mistake: Moneyzine & UBS study results.
13:05 - The "Super Roth" Exception: Estate planning for the ultra-wealthy.
15:45 - The Urban Institute's Warning: Is the government forcing your hand?
17:30 - Final Verdict: Who wins and who loses in 2026.
Roth 401k vs Traditional 401k, 2026 Tax Brackets, Secure 2.0 Act High Earners, Retirement Planning 2026, 401k Contribution Limits 2026, Marginal vs Effective Tax Rate, Super Catch Up Contributions, Estate Planning Strategies, Financial Independence, Tax Avoidance Strategies
#PersonalFinance #Investing #Taxes2026 #RothTrap #RetirementPlanning #WealthBuilding #FinancialFreedom #CPA #MoneyTips
