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If you haven’t yet changed your contributions for 2026, you may be leaving money on the table.

Your retirement accounts just got a raise for 2026…and if you don’t adjust your contributions, you’re quietly opting out of additional progress toward your retirement goals.

Here’s what changed:

✔️ IRA limits went up

✔️ Roth income limits expanded (more high earners qualify)

✔️ 401(k) limits increased

✔️ Ages 60–63 get a huge last-stretch catch-up window

This is one of those boring admin moves that can quietly add six figures to your retirement over time if you actually act on it.

Quick reminder: you still have until April 15 to make your 2025 IRA contribution…and then it’s time to update your 2026 numbers so you’re not defaulting to last year’s limits.S

mall change. Big future impact.

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