Roth or Bust: The $145K 401(k) Catch-Up Rule Change for 2026
InvestTalk
Hosts Justin Klein & Luke Guerrero, CFA | Wealth Managers and Investment Advisors
4.4 • 1.5K Ratings
🗓️ 2 October 2025
⏱️ 48 minutes
🧾️ Download transcript
Summary
Starting in 2026, workers aged 50 and older who earned over $145,000 in the prior year will be required to make their 401(k) catch-up contributions on an after-tax Roth basis (a key tax shift mandated by the SECURE 2.0 Act).
Today's Stocks & Topics: Trane Technologies plc (TT), Circle Internet Group (CRCL), Market Wrap, Roth or Bust: The $145K 401(k) Catch-Up Rule Change for 2026, Schlumberger Limited (SLB), Zebra Technologies Corporation (ZBRA), Alternative Investments, AbbVie Inc. (ABBV), Gold.
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Transcript
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| 0:00.0 | On radio, on YouTube, streaming live on invest talk.com, and for our podcast subscribers, this is InvestTalk. Incependent Thinking, shared success. |
| 0:17.7 | InvestTalk is made possible by KPP Financial, a registered investment advisor firm, serving clients throughout the United States. |
| 0:27.2 | Here is KPP Financial Chief Executive Officer, Financial Advisor, Justin Klein. |
| 0:35.3 | Good afternoon, fellow investors, and welcome back to Invest stock and welcome to the fourth quarter of 2025. |
| 0:45.3 | Yeah, can you believe that? Three quarters in the books. And that means guess what? The fourth quarter will probably move even faster. But we are here to slow down, take stock of |
| 0:57.5 | where we are in markets and in economies and help you identify the opportunities, as well as avoid |
| 1:07.1 | the pitfalls that most investors fall prey to, mainly driven by fear and greet, |
| 1:14.3 | about a clear-eyed view of what is happening. |
| 1:16.7 | They fall prey to headlines. |
| 1:19.3 | They fall prey to political bias. |
| 1:22.3 | You fall prey to investing in areas you know more about versus others. |
| 1:29.9 | You see this all the time. |
| 1:32.1 | And what's nice about our investment landscape is we have a lot of options. |
| 1:39.7 | That's a good part, but it's also the bad part, which is there's a lot to choose from, a lot to figure out, a lot to balance the risk and rewards. |
| 1:48.5 | And we're here to help you with all of that, unpack data and perspective that can help you find that balance within your portfolio, within your strategy, and make good decisions |
| 2:03.6 | consistently. |
| 2:05.6 | So this hour is about, once again, it's about answering your finance and investment questions, |
| 2:10.9 | either live, fortified Pacific time or after hours. |
| 2:14.0 | Either one works. |
| 2:15.3 | We encourage and love all of your questions. Now, in just a bit, |
| 2:20.0 | we'll talk about today's market performance and run down the show topics for the hour, but as |
| 2:24.1 | usual, we'll tackle this caller question first. Hey, this message is for Justin or Luke, |
... |
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