IRS Silently Changed 5 Rules for Retirees in 2026 .. Your Account Is at Risk

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The IRS changed five rules in 2026 that now target how retirees hold, move, and access their money. This video breaks down the senior deduction phase-out trap, the Roth catch-up mandate, the super catch-up cliff, the Automated Collection System speed trap, and the Federal Payment Levy Program that can take 15% of your Social Security without a court order.

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📌 What You Will Learn:
• Why the new $6,000 senior deduction disappears if your income crosses $75,000 single or $150,000 married
• How the Roth catch-up mandate forces after-tax contributions for anyone over 50 earning $150,000 or more
• The super catch-up window for ages 60 to 63 that most payroll systems miss entirely
• The exact CP notice sequence that moves from first letter to frozen bank account in under 120 days
• Why the Federal Payment Levy Program can garnish 15% of your Social Security benefit automatically
• The Form 12153 deadline that stops a bank levy if you file within 30 days
• The exact phone scripts and documentation the IRS accepts for hardship claims and levy releases

⚠️ Legal Disclaimer: This video is for educational purposes only and does not constitute financial, legal, or tax advice. Always verify information with a qualified professional before making decisions about your tax, retirement, or Social Security benefits.

🎬 Media Notice: This video may contain AI-generated images and stock media for illustrative purposes only. All people, documents, and scenarios depicted are fictional representations and not real events or individuals.
📚 Sources:

• IRS Notice 2025-67, "Retirement Plan Contribution Limits for 2026"
• IRS Publication 594, "The IRS Collection Process"
• IRS Form 12153, "Request for a Collection Due Process Hearing"
• IRS Form 433-F, "Collection Information Statement"
• IRS Publication 1660, "Collection Appeal Rights"
• 26 U.S. Code § 6330 — Collection Due Process
• 26 U.S. Code § 6331 — Levy and Distraint
• IRS Automated Collection System (ACS) Procedures, Internal Revenue Manual 5.19.1

• Federal Payment Levy Program (FPLP) — IRS.gov
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⏱️ Chapters:
0:00 The Five Rules That Changed in 2026
2:00 Rule 1 — The $6,000 Senior Deduction Phase-Out Trap
5:00 Rule 2 — The Roth Catch-Up Mandate
8:00 Rule 3 — The Super Catch-Up Cliff for Ages 60 to 63
11:00 The Quiet Rules — Your Response Manual
13:00 Rule 4 — The ACS Speed Trap and Bank Levy Sequence
17:00 Rule 5 — The 15% Social Security Garnishment
21:00 The Exact Phone Scripts and Hardship Forms
24:00 Final Action Steps and Close

Видео IRS Silently Changed 5 Rules for Retirees in 2026 .. Your Account Is at Risk канала Kevin Explains