New 2026 Retirement Limits: How Much YOU Can Really Save This Year (IRAs, 401(k)s, HSAs & More)

Retirement contribution limits changed for 2026 — and if you’re saving for retirement, these updates create real planning opportunities.

In this video, we break down the new 2026 retirement contribution limits across the most important accounts, including Roth IRAs, traditional IRAs, 401(k)s, 403(b)s, TSPs, SIMPLE IRAs, SEP IRAs, Solo 401(k)s, and HSAs. You’ll see exactly how much you can save in 2026, how catch-up contributions work at different ages, and how recent SECURE Act 2.0 changes affect Roth contributions and high earners.

We also clarify common points of confusion — including Roth IRA income limits vs Roth 401(k) rules, why employer plans have no income limits for Roth contributions, how spousal IRAs and teenage Roth IRAs work, and why knowing your IRA and HSA contribution deadlines matters more than most people realize.

Whether you’re in your 40s, 50s, 60s, or planning for retirement income, tax strategy, and long-term wealth building, this video helps you understand the rules you’re playing by — and how to use them intentionally.

Knowing the current limits can help you build your best financial life, today and in the future.

00:00 Intro: 2026 Roth IRA Contribution Limits Explained What Changed This Year
02:25 The Spousal IRA Strategy A Massively Overlooked Retirement Opportunity
03:13 Roth IRA Income Limits Why High Earners Still Have Options
03:43 Why Roth IRAs Are So Powerful And Still Underused
04:23 The Teenage Roth IRA One Of The Most Powerful Long Term Wealth Moves
06:04 IRA Contribution Deadlines The Costly Mistake People Keep Making
07:04 2026 401(k) Contribution Limits Higher Caps New Rules More Flexibility
07:48 SECURE 2.0 Update New Roth Flexibility Inside Employer Retirement Plans
09:00 Roth vs Traditional Why You Don’t Have To Choose Just One
09:36 This Needs Repeating The Most Common Retirement Contribution Confusion
10:08 Do These Contribution Limits Apply To You Yes If You’re In These Plans
12:02 Solo 401(k) Explained Same Limits More Control For The Self Employed
12:56 2026 Total Retirement Contribution Limits Employee Plus Employer
14:03 SIMPLE IRA Contribution Limits Increased For 2026
15:01 Roth SIMPLE IRAs The Important 2026 Update You Need To Know
15:22 SEP IRAs Explained Powerful But Very Different Retirement Tool
17:02 2026 HSA Contribution Limits Triple Tax Advantage Explained

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Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.

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Видео New 2026 Retirement Limits: How Much YOU Can Really Save This Year (IRAs, 401(k)s, HSAs & More) канала Erin Talks Money