The Last-Minute Boost
Photo by Andrea Piacquadio
There’s a moment, right before the finish line, when the crowd leans forward.
When you summon a little more energy, a little more courage.
For people in their early 60s, that moment is now.
The SECURE 2.0 Act quietly changed the rules in 2025. If you’re 60, 61, 62, or 63, you suddenly have permission to save more in your retirement plan than ever before.
Not a little more. A lot more.
The standard contribution this year is $23,500. Add the new catch-up of $11,250, and suddenly you can set aside $34,750.
That’s not a rounding error. That’s momentum.
But it’s temporary. The super catch-up vanishes at 64, and the window closes.
And there’s another wrinkle. Starting in 2026, if you earn more than $145,000, your catch-up contributions must be Roth. After-tax. A shift in strategy, not just in math.
Why does this matter?
Because for pre-retirees, this isn’t theory. It’s the last chance to move the needle.
The last chance to take advantage of your highest-earning years.
The last chance to choose how your savings will be taxed later.
The last chance to prove to yourself you’re ready.
Here’s the catch: not every employer has to adopt these new limits. Some will, some won’t. So before you make plans, ask.
This is the work of preparing for freedom. The chance to plant one more seed before you step into what comes next.
The question isn’t can you? The question is will you?
For more, see the official IRS regulations or this Milliman summary.
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Disclaimer: The information provided is for educational purposes only and does not constitute investment, tax, or financial advice. Consult with a licensed professional before making financial decisions.
