Big changes are coming to retirement planning—and they may hit you sooner than you think. In this week’s episode of The Capitalist Investor, Tony and Derek break down new rules that eliminate a key 401(k) tax break for employees over age 50 making more than $150,000
Congress is now forcing these catch-up contributions into Roth accounts, removing the upfront tax deduction many workers rely on. While this may sound like bad news, Tony and Derek explain why having a Roth “bucket” might actually strengthen your long-term tax strategy.
You’ll learn:
- Why losing this deduction isn’t as catastrophic as it sounds
- How building three “buckets” (cash, tax-deferred, and tax-free) gives you flexibility in retirement
- What the new rules mean for Medicare surcharges and health care costs
- Why the government is really making this change—and how it could affect your future
They also share frustrations with the complexity of the Secure Act 2.0, including catch-up age rules, savers’ matches, and automatic enrollment requirements. Is it smart policy—or just another mess for workers and employers?
👉 If you’re over 50 and planning for retirement, this episode is a must-listen.
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