Older workers face a 2026 tax hit as new IRS rules tighten around 401(k) and IRA savings. The SECURE 2.0 Act forces those earning above $145,000 to make Roth-only catch-up contributions starting 2026—ending pre-tax breaks. The standard deduction rises to $16,100 for singles and $32,200 for couples, with $2,050 extra for seniors, but higher taxable income could still push millions into upper brackets. RMDs from traditional accounts and lost deductions mean retirees could pay hundreds or thousands more. Keyword: 2026 tax hit for older workers.
