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Before you max out your 401(k) in 2026, read this it could change your strategy

401(k) contribution limits for 2026: The higher 401(k) contribution limits for 2026 are real. They are powerful. But they are not automatic. Employer match should come first. Debt and emergency savings still matter. Roth rules, future tax brackets, and retirement timing should guide the rest. In 2026, the best strategy is not simply maxing out. It is aligning every dollar with taxes, access, and long-term goals.

24 Dec 2025 7:19 pm