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Started By
Message
SECURE 2.0 Act - Just now finding this out, NOT sorry if Germans, some may not know.
Posted on 11/17/25 at 6:50 pm
Posted on 11/17/25 at 6:50 pm
Got this email from HR today, screw Biden and the dims. Now I can’t contribute pre-tax on catch up.
LINK
quote:
The SECURE 2.0 Act of 2022, was signed into law by President Joe Biden on December 29, 2022
quote:.
Starting in 2026,1 if you earn more than $145,000 in the prior calendar year, all catch-up contributions to a workplace plan at age 50 or older will need to be made to a Roth account in after-tax dollars. Individuals earning $145,000 or less, adjusted for inflation going forward, will be exempt from the Roth requirement.
LINK
5
Posted on 11/17/25 at 6:54 pm to ultratiger89
I thought Roth was always after tax dollars…
Posted on 11/17/25 at 6:55 pm to ultratiger89
I thought Roths were after-tax anyway. 
Posted on 11/17/25 at 6:59 pm to ultratiger89
I hate to say it. But it’s not a bad idea. Tax rates today are probably better than they will be when you retire.
Posted on 11/17/25 at 6:59 pm to Bard
I assume they are talking about a back-door Roth.
Posted on 11/17/25 at 7:01 pm to ultratiger89
Last year, the income phase-out for Roth was around $147k, and even those making less would have a percentage of the max that they could contribute.
The only way this works is if the contributions are made to a Roth within a 401k, and not all employers offer that.
Posted on 11/17/25 at 7:01 pm to Bard
Roth is after tax money.
OP's gripe is that catch-up contribution is now taxable thus increasing his tax liability. He has a legitimate gripe imo.
OP's gripe is that catch-up contribution is now taxable thus increasing his tax liability. He has a legitimate gripe imo.
Posted on 11/17/25 at 7:03 pm to Bard
quote:
I thought Roths were after-tax anyway.
They are.
Initial purpose of the Roth was to reduce tax deferred contribution and for the government to receive more tax income today vs when a person take withdrawals from a traditional IRA.
The latest change to the Roth was a budget trick to recognize more income to offset a bunch of spending.
The government, at a deficit, is always looking for our money to spend. Beware.
Posted on 11/17/25 at 7:03 pm to BBONDS25
quote:
I hate to say it. But it’s not a bad idea. Tax rates today are probably better than they will be when you retire.
We’re all gonna share the money by then.
Posted on 11/17/25 at 7:13 pm to CamdenTiger
quote:
I thought Roth was always after tax dollars
Point is I don’t want and never have put after tax dollars in my 401(k). Now I would be forced to. I prefer pre-tax to earn money on or maybe I’m missing the benefit here for higher wage earners?
Posted on 11/17/25 at 7:15 pm to BBONDS25
quote:
Tax rates today are probably better than they will be when you retire.
I have two years left.
Posted on 11/17/25 at 7:21 pm to ultratiger89
quote:
Point is I don’t want and never have put after tax dollars in my 401(k). Now I would be forced to. I prefer pre-tax to earn money on or maybe I’m missing the benefit here for higher wage earners?
It all boils down to gambling on whether your tax rate will be higher/lower when you cash out. Will the gains outweigh the losses when you cash out on your 401k? Inquiring minds want to know.
Posted on 11/17/25 at 7:26 pm to ultratiger89
R president and R congress. Why can’t this be fixed?
Posted on 11/17/25 at 7:30 pm to Warboo
quote:
Inquiring minds want to know.
I’m in that club. I was looking for some perspective here from those who are more knowledgeable about this shite. Of course I need to consult a financial advisor soon.
Posted on 11/17/25 at 7:50 pm to ultratiger89
quote:
I’m in that club. I was looking for some perspective here from those who are more knowledgeable about this shite. Of course I need to consult a financial advisor soon.
You need a crystal ball not a financial advisor. Congress/president sign off on tax legislation. Bet on dominion/mail in ballots/!aoc and her cronies and you need to convert to Roth. Bet on secured elections/AF, Vance, Rubio, etc and stay with what you have.
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