4. Missing the New “Super Catch-Up” Window
For years, “catch-up contributions” were simple: if you were 50 or older, you could put in extra money. But thanks to the SECURE 2.0 Act, the rules have changed, creating a massive opportunity for those near retirement.
For 2025 and 2026, if you are aged 60, 61, 62, or 63, you are eligible for a higher “super catch-up” contribution.
| Category | 2025 Limit | 2026 Limit |
|---|---|---|
| Standard Limit (Under 50) | $23,500 | $24,500 |
| Standard Catch-Up (Age 50+) | +$7,500 | +$8,000 |
| Super Catch-Up (Ages 60–63) | +$11,250 | +$11,250 |
| Total Possible (Ages 60–63) | $34,750 | $35,750 |
If you fall into this specific age bracket, failing to utilize this higher limit is a missed opportunity to shelter tens of thousands of dollars from taxes right before you retire.
