{"id":50,"date":"2026-08-05T10:00:00","date_gmt":"2026-08-05T10:00:00","guid":{"rendered":"https:\/\/www.drsunilpatel.us\/blog\/?p=50"},"modified":"2026-08-05T10:00:00","modified_gmt":"2026-08-05T10:00:00","slug":"401k-savers-can-aim-higher","status":"publish","type":"post","link":"https:\/\/www.drsunilpatel.us\/blog\/2026\/08\/401k-savers-can-aim-higher\/","title":{"rendered":"401(K) Savers Can Aim Higher"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/sunil-patel-1\/saving-employee-benchmark\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>For 2026, employee elective deferral limits are $24.5K in defined contribution plans, with higher catch-up room for workers age 50+ and select early-60s savers.<br \/>\nWorkers age 50+ can contribute $32.5K in 2026, while those age 60 through 63 may reach $35.75K because of recent retirement law changes.<br \/>\nMaxing out is not required for everyone, but it can support stronger retirement security when a workplace plan is your main savings vehicle.<br \/>\nCompounding rewards earlier contributions: money invested sooner has more time to grow, making delayed saving harder to catch up later for many workers.<br \/>\nPractical steps include reviewing spending, redirecting raises or bonuses, trimming recurring costs, capturing employer matches, and using automatic contributions where available to stay on track.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>For 2026, employee elective deferral limits are $24.5K in defined contribution plans, with higher catch-up room for workers age 50+ and select early-60s savers. Workers age 50+ can contribute $32.5K in 2026, while those age 60 through 63 may reach $35.75K because of recent retirement law changes. Maxing out is not required for everyone, but [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":51,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-50","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts\/50","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/comments?post=50"}],"version-history":[{"count":0,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts\/50\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/media\/51"}],"wp:attachment":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/media?parent=50"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/categories?post=50"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/tags?post=50"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}