MARK KOHLERMain Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, LLC · Owner at Main Street Professionals, LLC

High Earners: IRS Forcing You Into a Roth in 2026!

8 Aug 2026 · 1 min

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1:12

Mark Kohler breaks down two 2026 tax changes: 401(k) catch-up contributions jump to $11,250 for ages 60-63, but anyone earning over $150,000 must make those contributions as Roth. HSA limits rise to $4,400 individual and $8,750 family, with a strategy to invest it and pay medical costs out-of-pocket, turning it into a tax-free healthcare fund.

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And 2 brand new 2026 rules to know. The 401 limit is $24,500 with an additional $8,000 catch-up for 50 and older folks and a super catch-up of $11,250 if you're between the ages of 60 and 63. But here's the big one starting in 2026. If you earned more than $150,000 last year, your catch-up contribution must go in as a Roth. The government already knows the Roth is better. A lot of people will trip over that, but honestly, it's a gift. The law is forcing high earners into the exact tax-free bucket I want them to be in anyway. The HSA. Oh, if you qualify. This is so important in the lineup. With a high deductible health plan, the HSA is the only account the IRS lets you win on all three fronts. A deduction going in, tax-free growth, and tax-free withdrawals for medical costs. Immediately. You don't even have to wait to any age. In 2026, That's $4,400 for individuals, $8,750 for families or head of household. Pay small medical bills out of pocket, leave the HSA invested, and you've built a dedicated tax-free bucket for the biggest expense in retirement: healthcare.