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New IRS Rule Requires Roth Contributions for Older Workers

9/24/2025

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Summary

Story summary

Starting in 2026, workers aged 50+ earning over $145,000 must make catch-up contributions to Roth accounts.
The shift eliminates pre-tax options for this group.
The change aims to boost immediate tax revenue and promote Roth use among retirees.
The Internal Revenue Service (IRS) delayed implementation to allow system updates and focus on tax planning for affected individuals.

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Story summary

Starting in 2026, workers aged 50+ earning over $145,000 must make catch-up contributions to Roth accounts.
The shift eliminates pre-tax options for this group.
The change aims to boost immediate tax revenue and promote Roth use among retirees.
The Internal Revenue Service (IRS) delayed implementation to allow system updates and focus on tax planning for affected individuals.