IRS says high earners can wait to put 401(k) catch-ups into a Roth. Should you?
The IRS has announced a two-year delay, until 2026, for the requirement that catch-up contributions for high earners must go into Roth accounts, giving people 50 and older who earn over $145,000 extra time before making changes, although they can still choose to direct their catch-up contributions into a Roth 401(k) if their employer's retirement plan offers that option.