401(k) changes coming in 2026 every worker needs to know about

The rules for these employer-sponsored retirement plans are once again being adjusted a bit to reflect inflation.
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54-Year-Old With $4 Million in 401(k) Can Retire Early Using Rule of 55 Strategy

As of 2025, the average 401(k) balance for Americans in their 50s is around 490,000 dollars. That means a 54-year-old with 4 ...

A Third of Americans Are Cashing Out 401(k) Balances After Quitting Jobs: What Is Driving This Trend

A large portion of employees withdraw their entire 401(k) balance when they leave a job rather than rolling it over to their ...

There’s 1 quiet but crucial 401(k) change coming in 2026. And the new rule will impact how millions of Americans save for retirement. Don’t get hurt

Signed into law at the end of 2022 by President Joe Biden, the SECURE ACT 2.0 was focused on encouraging people to build a larger nest egg for retirement. It includes major changes to 401(k), IRA, ...

Roth 401(k) Catch-Up Rule Arrives In January For $150K+ Earners

In January, new Roth catch-up rules will prevent workers over 50 who earned more than $150,000 the prior year from making pre ...

I was laid off from a high-paying job and I can’t find another at my age. With over $1M in my 401(k), should I withdraw the funds early?

For example, if you pulled $200,000 now and qualified under a penalty-free exception, you’d still pay full income tax on the ...

What Is the Required Minimum Distribution (RMD) for a $750,000 Retirement Account?

As the year draws to a close, retirees should review how required minimum distributions (RMDs) are calculated.