Americans turning 60, 61, 62, or 63 this year have a narrow opening to push an extra $11,250 into their 401(k) plans as catch-up contributions for 2026. The temporary boost, created by the SECURE 2.0 Act and confirmed in IRS Notice 2025-67, applies only during the calendar years a worker

When Linda Cheng retired from her school district job at 62, she had $480,000 in a traditional IRA, a modest pension, and no plans to touch Social Security until 70. She fell into the 12 percent federal bracket in her first year of retirement. By the time required minimum distributions