A new 401(k) rule starts in 2026 — here’s how to handle it without hurting your retirement

401(k) rule change 2026: A significant change is coming to 401(k) plans in 2026. Older, higher-earning workers will now have to make their extra retirement savings contributions to Roth accounts. This rule impacts those earning over $145,000 annually. Employers must offer Roth 401(k) options. Workers should check with their HR departments to ensure compliance and explore alternatives if needed.