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For High Earners Reluctant to Go Roth, There's Another 'Catch-Up' Option
Features November 17, 2025 at 04:03 PM
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What You Need To Know
- Starting in 2026, workers who earn more than $145,000 must make catch-up contributions to Roth 401(k) accounts.
- If they expect to need the money soon, particularly within five years, other options could make sense.
- One of these is to deploy the funds to an HSA, which enjoys a triple tax advantage.
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