BREAKING NEWS: IRS Raises 2026 Retirement Limits and Mandates Roth Catch-Up Contributions

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Bigger savings room: In 2026, 401(k) and IRA contribution limits rise to $24,500 and $7,500 respectively, offering more tax-advantaged savings potential.

Mandatory Roth catch-ups: High earners aged 50+ must direct catch-up contributions into Roth accounts, shielding them from lifetime RMDs.

Charitable tax breaks: Qualified Charitable Distributions now allow up to $111,000 per person from IRAs, reducing taxable income and potentially lowering Medicare premiums.

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