BIG CHANGES Coming For 401k Catch-Up Contributions (Secure Act 2.0, Roth 401k & More)

Rich Girls' Guide

Hey Rich Girls, Kirby here - today we are diving right into a timely topic that just might affect you or someone you love starting in 2026 - and while you might think that date is way far ahead in the future, the reality is that you need to start making changes NOW in order to get ahead of this potentially huge retirement change.
**please note this is not investment advice, just my opinion & should be used for entertainment purposes only**
EPISODES MENTIONED:
Compound growth episode: https://youtu.be/xhtXs3mL2Cg?si=8AQexRGWfx8rN4yP

How much you need to retire: https://youtu.be/WKooH0JVKjY?si=eQh907xIkMOtUZTz

Backdoor roth contributions: https://youtu.be/8YQ3HuMHbmU?si=SWMQFubjJRL_thKe

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ARTICLES MENTIONED:
Vanguard How America Saves 2024: https://institutional.vanguard.com/insights-and-research/report/how-america-saves.html/?cmpgn=IIG:TL:RR:HAS23:SRCH:PS:XX:TL:GG:GENAUD:XX:XX:20230615:NB:AmericaSaves:NOTARG:NOSUB&gad_source=1&gclid=CjwKCAjw4ri0BhAvEiwA8oo6FwPe1b-fcB0Ssd-UVslRsyNGyNBb9ThYaSOzycpuxl8G5936tQ0FORoCTzEQAvD_BwE&gclsrc=aw.ds
Federal Reserve Average Retirement Savings: https://crr.bc.edu/federal-reserve-has-disappointing-news-on-retirement-saving/
Retirement Plan Catch Up Contribution Limits: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-catch-up-contributions#:~:text=More%20In%20Retirement%20Plans&text=Individuals%20who%20are%20age%2050,a%20SIMPLE%20401(k))
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