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Your 401(k) Catch-Up Contribution Rule Already Changed in 2026. Here’s the Plan Detail High Earners Should Check
FG
FOMOGRAM Editorial Desk
Aug 1, 2026

EXECUTIVE SUMMARY
A rule buried inside SECURE 2.0 quietly took effect on January 1, and if you earned six figures last year and plan to make catch-up contributions, the way your employer routes that money could cost you more than you expect.
A rule buried inside SECURE 2.0 quietly took effect on January 1, and if you earned six figures last year and plan to make catch-up contributions, the way your employer routes that money could cost you more than you expect.
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