401k late start savings

401k late start savings

6 Retirement Planning Hacks That Double 2026 Catch‑Up Contributions

You can add up to $15,000 in extra contributions in a single payroll period by using a little-known employer loophole. Most workers think the IRS catch-up limit of $7,500 per year is the ceiling, but strategic payroll timing and plan selection let you effectively double that amount, fast-tracking