{"id":84,"date":"2026-08-24T14:00:00","date_gmt":"2026-08-24T14:00:00","guid":{"rendered":"https:\/\/www.drsunilpatel.us\/blog\/?p=84"},"modified":"2026-08-24T14:00:00","modified_gmt":"2026-08-24T14:00:00","slug":"401k-and-roth-ira-game-plan-for-2026","status":"publish","type":"post","link":"https:\/\/www.drsunilpatel.us\/blog\/2026\/08\/401k-and-roth-ira-game-plan-for-2026\/","title":{"rendered":"401(K) and Roth IRA Game Plan for 2026"},"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\/dave-ramsey-ira-remotion-videos-d80f\"\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>A retirement expert&#039;s basic sequence: contribute enough to a traditional 401(k) for the full employer match, then max out a Roth IRA, then add more.<br \/>\nThe logic pairs tax-deferred workplace saving with tax-free Roth growth and withdrawals, giving many savers both an employer benefit and future tax flexibility.<br \/>\nCurrent 401(k) personal contributions cap at $24.5K, or $32.5K for workers 50+. Some employers may also allow extra catch-up contributions for ages 60-63.<br \/>\nCurrent Roth IRA contributions cap at $7.5K, or $8.6K for savers 50+. Higher earners above $168K single or $252K joint cannot contribute.<br \/>\nTwo key reminders: old 401(k) assets may move into a rollover IRA without affecting annual limits, and Roth earnings need a 5-yr waiting period.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A retirement expert&#039;s basic sequence: contribute enough to a traditional 401(k) for the full employer match, then max out a Roth IRA, then add more. The logic pairs tax-deferred workplace saving with tax-free Roth growth and withdrawals, giving many savers both an employer benefit and future tax flexibility. Current 401(k) personal contributions cap at $24.5K, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":101,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-84","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\/84","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/comments?post=84"}],"version-history":[{"count":0,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/posts\/84\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/media\/101"}],"wp:attachment":[{"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/media?parent=84"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/categories?post=84"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.drsunilpatel.us\/blog\/wp-json\/wp\/v2\/tags?post=84"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}