If box 3 of your 2025 W-2 tops $150,000, your 2026 catch-up must be Roth. That runs $1,920 in the 24% bracket and $3,600 at ages 60 to 63.
Four options for a 401(k) from a job you left, the 20% withholding that turns a $50,000 check into $40,000, and three cases where an IRA costs you.
Social Security break-even ages assume your money earns nothing. At a 3% real return, claiming at 62 versus 67 breaks even at 82 years 9 months.
A ChatGPT prompt to choose Roth or traditional 401(k) in 2026, run on a $92,000 salary. The break-even retirement rate is 19.3%, not 22%.
The 2026 401(k) limit is $24,500 and the average employer match hit 4.7%. Run a mid-year checkup with AI to catch a missed match, high fees, and drift.