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Your 401(k) Catch-Up Contribution Rule Already Changed in 2026. Here’s the Plan Detail High Earners Should Check

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