2026 TSP and 401(k) contribution limits just increased—here’s how much you can put away, what catch-up really means, and how to set your payroll so you don’t miss it. If you’ve heard the “15% max” myth or you’re unsure whether you’re actually doing catch-up contributions, this episode clears it up—fast. 🔗 LINKS &amp; RESOURCES IRS: 401(k) limit increases to $24,500 for 2026; IRA limit increases to $7,500: https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500 TSP Bulletin: 2026 TSP contribution limits: https://www.tsp.gov/bulletins/25-3/ General reference: IRA contribution limits (2026): https://www.fidelity.com/learning-center/smart-money/ira-contribution-limits Book a free 15-minute clarity call (text us your first &amp; last name + email): sms:+19493595100 Or click on our Calendar link here: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Socials: Instagram: https://instagram.com/cdfinancial.llc/ Facebook: https://facebook.com/cdfinancial LinkedIn: https://linkedin.com/company/cd-financial Newsletter: https://cdfinancial.com/newsletter 👋 WHO ARE WE? CD Financial (where health meets wealth) helps federal employees and retirees make confident decisions around TSP strategies, retirement income planning, and benefit-aware financial choices. Subscribe for practical, compliant education that helps you understand the numbers, the rules, and the real-world tradeoffs—without hype. Max funding for 2026 is $24,500—catch-up starts after you hit the max per pay period, not before. ⏱ TIMESTAMPS ⏱ 0:00 2026 TSP &amp; 401(k) Contribution Limits: What Changed? ⏱ 1:15 2026 Max Contributions: Under 50 vs 50+ (Catch-Up Basics) ⏱ 2:23 Per-Pay-Period TSP Math: $24,500 ÷ 26 Pay Periods ⏱ 3:47 SECURE 2.0 “Super Catch-Up” Ages 60–63 (Higher Limit) ⏱ 4:42 2026 IRA &amp; Roth IRA Limits: What You Can Contribute ⏱ 6:33 Backdoor Roth Overview (Conceptual Walkthrough) ⏱ 7:16 The “15% Max” Myth + When Catch-Up Actually Starts ⏱ 10:49 Why Max Funding Matters for Retirement Income Confidence ⏱ 12:38 TSP vs Private Roth IRA: What to Prioritize First ⏱ 15:42 How to Increase TSP Contributions (MyPay / GRB / EPP + EBIS) ⏱ 18:56 Roth Catch-Up Rule &amp; $145,000 Income Threshold (Key Reminder) ⏱ 20:25 Health Tip: Consistent Sleep Schedule + Morning Light #TSP #FederalEmployees #401k #RetirementPlanning #CDFinancial Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial &amp; Insurance Services LLC, an affiliated company. Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.<a rel="payment" href="https://www.buzzsprout.com/1988141/support">Support the show</a>

<description>&lt;p&gt;2026 TSP and 401(k) contribution limits just increased—here’s how much you can put away, what catch-up really means, and how to set your payroll so you don’t miss it.&lt;br/&gt;If you’ve heard the “15% max” myth or you’re unsure whether you’re actually doing catch-up contributions, this episode clears it up—fast.&lt;br/&gt;&lt;br/&gt;🔗 LINKS &amp;amp; RESOURCES&lt;br/&gt;IRS: 401(k) limit increases to $24,500 for 2026; IRA limit increases to $7,500:&lt;br/&gt;https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500&lt;br/&gt;&lt;br/&gt;TSP Bulletin: 2026 TSP contribution limits:&lt;br/&gt;https://www.tsp.gov/bulletins/25-3/&lt;br/&gt;&lt;br/&gt;General reference: IRA contribution limits (2026):&lt;br/&gt;https://www.fidelity.com/learning-center/smart-money/ira-contribution-limits&lt;br/&gt;&lt;br/&gt;Book a free 15-minute clarity call (text us your first &amp;amp; last name + email): sms:+19493595100&lt;br/&gt;Or click on our Calendar link here: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube&lt;br/&gt;&lt;br/&gt;Socials:&lt;br/&gt;Instagram: https://instagram.com/cdfinancial.llc/&lt;br/&gt;Facebook: https://facebook.com/cdfinancial&lt;br/&gt;LinkedIn: https://linkedin.com/company/cd-financial&lt;br/&gt;Newsletter: https://cdfinancial.com/newsletter&lt;br/&gt;&lt;br/&gt;👋 WHO ARE WE?&lt;br/&gt;CD Financial (where health meets wealth) helps federal employees and retirees make confident decisions around TSP strategies, retirement income planning, and benefit-aware financial choices. Subscribe for practical, compliant education that helps you understand the numbers, the rules, and the real-world tradeoffs—without hype.&lt;br/&gt;&lt;br/&gt;Max funding for 2026 is $24,500—catch-up starts after you hit the max per pay period, not before.&lt;br/&gt;&lt;br/&gt;⏱ TIMESTAMPS&lt;br/&gt;⏱ 0:00 2026 TSP &amp;amp; 401(k) Contribution Limits: What Changed?&lt;br/&gt;⏱ 1:15 2026 Max Contributions: Under 50 vs 50+ (Catch-Up Basics)&lt;br/&gt;⏱ 2:23 Per-Pay-Period TSP Math: $24,500 ÷ 26 Pay Periods&lt;br/&gt;⏱ 3:47 SECURE 2.0 “Super Catch-Up” Ages 60–63 (Higher Limit)&lt;br/&gt;⏱ 4:42 2026 IRA &amp;amp; Roth IRA Limits: What You Can Contribute&lt;br/&gt;⏱ 6:33 Backdoor Roth Overview (Conceptual Walkthrough)&lt;br/&gt;⏱ 7:16 The “15% Max” Myth + When Catch-Up Actually Starts&lt;br/&gt;⏱ 10:49 Why Max Funding Matters for Retirement Income Confidence&lt;br/&gt;⏱ 12:38 TSP vs Private Roth IRA: What to Prioritize First&lt;br/&gt;⏱ 15:42 How to Increase TSP Contributions (MyPay / GRB / EPP + EBIS)&lt;br/&gt;⏱ 18:56 Roth Catch-Up Rule &amp;amp; $145,000 Income Threshold (Key Reminder)&lt;br/&gt;⏱ 20:25 Health Tip: Consistent Sleep Schedule + Morning Light&lt;br/&gt;&lt;br/&gt;#TSP #FederalEmployees #401k #RetirementPlanning #CDFinancial&lt;br/&gt;&lt;br/&gt;Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial &amp;amp; Insurance Services LLC, an affiliated company.&lt;br/&gt;Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.&lt;/p&gt;&lt;p&gt;&lt;a rel="payment" href="https://www.buzzsprout.com/1988141/support"&gt;Support the show&lt;/a&gt;&lt;/p&gt;</description>

2026 TSP and 401(k) contribution limits just increased—here’s how much you can put away, what catch-up really means, and how to set your payroll so you don’t miss it. If you’ve heard the “15% max” myth or you’re unsure whether you’re actually doing catch-up contributions, this episode clears it up—fast.  🔗 LINKS &amp; RESOURCES IRS: 401(k) limit increases to $24,500 for 2026; IRA limit increases to $7,500: https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases...

Your 2026 Contribution Limits Just Changed – Here's What You Need to Know

Max retirement contributions just got bigger in 2026 — $24,500 elective limit plus expanded catch-up contributions for federal TSP and 401(k) plans. 2026 contribution limits for TSP and 401(k)/403(b) increase — here’s how to make the most of your elective deferrals and catch-up contributions. 🔥 Curious how these IRS changes affect your federal benefits, TSP retirement strategy, and catch-up planning?  Get answers to your questions on a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter Socials: Instagram: https://instagram.com/cdfinancial.llc/ Facebook: https://facebook.com/cdfinancial LinkedIn: https://linkedin.com/company/cd-financial 👋 WHO ARE WE? This channel helps federal employees, military personnel, and retirement savers maximize their retirement planning and tax-advantaged contributions through clear, strategy-focused videos on TSP, 401(k), catch-up contributions, and retirement benefit optimization. Subscribe for weekly financial planning insights and actionable strategies. ⏱ TIMESTAMPS 0:00 Intro &amp; Key 2026 Contribution Highlights 0:45 2026 Elective Deferral Limit: $24,500 Explained 1:30 Catch-Up Contributions for Age 50+ 2:15 Super Catch-Up Limits (Ages 60–63) 3:10 How TSP &amp; 401(k) Contribution Limits Compare 3:55 Roth Catch-Up Rules Starting 2026 4:35 Federal Employees: How to Elect Your 2026 Deferrals 5:15 IRA Contribution Changes &amp; Planning Tips 6:00 Retirement Planning Strategy: What to Do Now 6:40 Closing Thoughts + Next Steps Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial &amp; Insurance Services LLC, an affiliated company. Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.<a rel="payment" href="https://www.buzzsprout.com/1988141/support">Support the show</a>

<description>&lt;p&gt;Max retirement contributions just got bigger in 2026 — $24,500 elective limit plus expanded catch-up contributions for federal TSP and 401(k) plans.&lt;br/&gt;&lt;br/&gt;2026 contribution limits for TSP and 401(k)/403(b) increase — here’s how to make the most of your elective deferrals and catch-up contributions.&lt;br/&gt;&lt;br/&gt;🔥 Curious how these IRS changes affect your federal benefits, TSP retirement strategy, and catch-up planning? &lt;br/&gt;&lt;br/&gt;Get answers to your questions on a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube&lt;br/&gt;Newsletter: https://cdfinancial.com/newsletter&lt;br/&gt;&lt;br/&gt;Socials:&lt;br/&gt;Instagram: https://instagram.com/cdfinancial.llc/&lt;br/&gt;Facebook: https://facebook.com/cdfinancial&lt;br/&gt;LinkedIn: https://linkedin.com/company/cd-financial&lt;br/&gt;&lt;br/&gt;👋 WHO ARE WE?&lt;br/&gt;This channel helps federal employees, military personnel, and retirement savers maximize their retirement planning and tax-advantaged contributions through clear, strategy-focused videos on TSP, 401(k), catch-up contributions, and retirement benefit optimization. Subscribe for weekly financial planning insights and actionable strategies.&lt;br/&gt;&lt;br/&gt;⏱ TIMESTAMPS&lt;br/&gt;0:00 Intro &amp;amp; Key 2026 Contribution Highlights&lt;br/&gt;0:45 2026 Elective Deferral Limit: $24,500 Explained&lt;br/&gt;1:30 Catch-Up Contributions for Age 50+&lt;br/&gt;2:15 Super Catch-Up Limits (Ages 60–63)&lt;br/&gt;3:10 How TSP &amp;amp; 401(k) Contribution Limits Compare&lt;br/&gt;3:55 Roth Catch-Up Rules Starting 2026&lt;br/&gt;4:35 Federal Employees: How to Elect Your 2026 Deferrals&lt;br/&gt;5:15 IRA Contribution Changes &amp;amp; Planning Tips&lt;br/&gt;6:00 Retirement Planning Strategy: What to Do Now&lt;br/&gt;6:40 Closing Thoughts + Next Steps&lt;br/&gt;&lt;br/&gt;Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial &amp;amp; Insurance Services LLC, an affiliated company.&lt;br/&gt;Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.&lt;/p&gt;&lt;p&gt;&lt;a rel="payment" href="https://www.buzzsprout.com/1988141/support"&gt;Support the show&lt;/a&gt;&lt;/p&gt;</description>

Max retirement contributions just got bigger in 2026 — $24,500 elective limit plus expanded catch-up contributions for federal TSP and 401(k) plans.  2026 contribution limits for TSP and 401(k)/403(b) increase — here’s how to make the most of your elective deferrals and catch-up contributions.  🔥 Curious how these IRS changes affect your federal benefits, TSP retirement strategy, and catch-up planning?   Get answers to your questions on a FREE 15-minute call: https://calendly.com/charles...

2026 401k Updates: New Contribution Limits Released

In this important discussion, we focus on &quot;long term care awareness&quot;, especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of &quot;long term care&quot; and effective &quot;financial planning&quot; strategies that align with a minimalist approach to &quot;personal finance&quot;. Learn practical insights on &quot;how to save money&quot;, drawing from a thoughtful, careful spending philosophy. PS. Asset-based long-term care combines care coverage with savings or life insurance, so you don’t risk wasting premiums if you never need care. Do You Have Questions? Scheduele a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Or text your Name, Last Name, &amp; Email to (949) 359-5100 so our team can help you schedule a FREE 15-minute call Newsletter: https://cdfinancial.com/newsletter Socials: Instagram: https://instagram.com/cdfinancial.llc/ Facebook: https://facebook.com/cdfinancial LinkedIn: https://linkedin.com/company/cd-financial 👋 WHO AM I? CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant. ⏱ TIMESTAMPS 0:00 Intro Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial &amp; Insurance Services LLC, an affiliated company. Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.<a rel="payment" href="https://www.buzzsprout.com/1988141/support">Support the show</a>

<description>&lt;p&gt;In this important discussion, we focus on &amp;quot;long term care awareness&amp;quot;, especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of &amp;quot;long term care&amp;quot; and effective &amp;quot;financial planning&amp;quot; strategies that align with a minimalist approach to &amp;quot;personal finance&amp;quot;. Learn practical insights on &amp;quot;how to save money&amp;quot;, drawing from a thoughtful, careful spending philosophy.&lt;br/&gt;&lt;br/&gt;PS. Asset-based long-term care combines care coverage with savings or life insurance, so you don’t risk wasting premiums if you never need care.&lt;br/&gt;&lt;br/&gt;Do You Have Questions? Scheduele a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube&lt;br/&gt;&lt;br/&gt;Or text your Name, Last Name, &amp;amp; Email to (949) 359-5100 so our team can help you schedule a FREE 15-minute call&lt;br/&gt;&lt;br/&gt;Newsletter: https://cdfinancial.com/newsletter&lt;br/&gt;&lt;br/&gt;Socials:&lt;br/&gt;Instagram: https://instagram.com/cdfinancial.llc/&lt;br/&gt;Facebook: https://facebook.com/cdfinancial&lt;br/&gt;LinkedIn: https://linkedin.com/company/cd-financial&lt;br/&gt;&lt;br/&gt;👋 WHO AM I?&lt;br/&gt;CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.&lt;br/&gt;&lt;br/&gt;⏱ TIMESTAMPS&lt;br/&gt;0:00 Intro&lt;br/&gt;&lt;br/&gt;Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial &amp;amp; Insurance Services LLC, an affiliated company.&lt;br/&gt;Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.&lt;/p&gt;&lt;p&gt;&lt;a rel="payment" href="https://www.buzzsprout.com/1988141/support"&gt;Support the show&lt;/a&gt;&lt;/p&gt;</description>

In this important discussion, we focus on "long term care awareness", especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of "long term care" and effective "financial planning" strategies that align with a minimalist approach to "personal finance". Learn practical insights on "how to save money", drawing from a thoughtful, careful spending philosophy.  PS. Asset-based long-term care combines care coverage with savings or life insurance, so you don’t risk...

Are You Prepared for Long-Term Care Costs? Here's What You Need to Know

In this important discussion, we focus on &quot;long term care awareness&quot;, especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of &quot;long term care&quot; and effective &quot;financial planning&quot; strategies that align with a minimalist approach to &quot;personal finance&quot;. Learn practical insights on &quot;how to save money&quot;, drawing from a thoughtful, careful spending philosophy. PS. Asset-based long-term care combines care coverage with savings or life insurance, so you don’t risk wasting premiums if you never need care. Do You Have Questions? Scheduele a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Or text your Name, Last Name, &amp; Email to (949) 359-5100 so our team can help you schedule a FREE 15-minute call Newsletter: https://cdfinancial.com/newsletter Socials: Instagram: https://instagram.com/cdfinancial.llc/ Facebook: https://facebook.com/cdfinancial LinkedIn: https://linkedin.com/company/cd-financial 👋 WHO AM I? CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant. ⏱ TIMESTAMPS 0:00 Why Long-Term Care Awareness Month Matters 0:33 A Minimalist’s Approach to Spending and Protection 0:59 Why People Dislike Traditional Long-Term Care Insurance 1:22 How Long-Term Care Fits Into Your Charted Retirement Course 1:43 When a $6,000/Month Care Bill Hits Your Retirement Plan 2:16 The Impact on Spouses, Adult Children, and Family Caregiving 2:58 Option #1: Traditional Long-Term Care Insurance — Main Drawbacks 3:18 Option #2: Life Insurance with a Long-Term Care Rider — How It Works 4:18 Option #3: Asset-Based Long-Term Care — “One-and-Done” Strategy 4:48 Protecting Your Plan and Loved Ones — Why This Conversation Matters 5:18 Final Thoughts, How to Get Help, and “You Don’t Have to Work Longer” Reminder Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial &amp; Insurance Services LLC, an affiliated company. Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.<a rel="payment" href="https://www.buzzsprout.com/1988141/support">Support the show</a>

<description>&lt;p&gt;In this important discussion, we focus on &amp;quot;long term care awareness&amp;quot;, especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of &amp;quot;long term care&amp;quot; and effective &amp;quot;financial planning&amp;quot; strategies that align with a minimalist approach to &amp;quot;personal finance&amp;quot;. Learn practical insights on &amp;quot;how to save money&amp;quot;, drawing from a thoughtful, careful spending philosophy.&lt;br/&gt;&lt;br/&gt;PS. Asset-based long-term care combines care coverage with savings or life insurance, so you don’t risk wasting premiums if you never need care.&lt;br/&gt;&lt;br/&gt;Do You Have Questions? Scheduele a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube&lt;br/&gt;&lt;br/&gt;Or text your Name, Last Name, &amp;amp; Email to (949) 359-5100 so our team can help you schedule a FREE 15-minute call&lt;br/&gt;&lt;br/&gt;Newsletter: https://cdfinancial.com/newsletter&lt;br/&gt;&lt;br/&gt;Socials:&lt;br/&gt;Instagram: https://instagram.com/cdfinancial.llc/&lt;br/&gt;Facebook: https://facebook.com/cdfinancial&lt;br/&gt;LinkedIn: https://linkedin.com/company/cd-financial&lt;br/&gt;&lt;br/&gt;👋 WHO AM I?&lt;br/&gt;CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.&lt;br/&gt;&lt;br/&gt;⏱ TIMESTAMPS&lt;br/&gt;0:00 Why Long-Term Care Awareness Month Matters&lt;br/&gt;0:33 A Minimalist’s Approach to Spending and Protection&lt;br/&gt;0:59 Why People Dislike Traditional Long-Term Care Insurance&lt;br/&gt;1:22 How Long-Term Care Fits Into Your Charted Retirement Course&lt;br/&gt;1:43 When a $6,000/Month Care Bill Hits Your Retirement Plan&lt;br/&gt;2:16 The Impact on Spouses, Adult Children, and Family Caregiving&lt;br/&gt;2:58 Option #1: Traditional Long-Term Care Insurance — Main Drawbacks&lt;br/&gt;3:18 Option #2: Life Insurance with a Long-Term Care Rider — How It Works&lt;br/&gt;4:18 Option #3: Asset-Based Long-Term Care — “One-and-Done” Strategy&lt;br/&gt;4:48 Protecting Your Plan and Loved Ones — Why This Conversation Matters&lt;br/&gt;5:18 Final Thoughts, How to Get Help, and “You Don’t Have to Work Longer” Reminder&lt;br/&gt;&lt;br/&gt;Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial &amp;amp; Insurance Services LLC, an affiliated company.&lt;br/&gt;Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.&lt;/p&gt;&lt;p&gt;&lt;a rel="payment" href="https://www.buzzsprout.com/1988141/support"&gt;Support the show&lt;/a&gt;&lt;/p&gt;</description>

A Minimalist Approach to Long-Term Care: 3 Options Worth Considering

In this episode of the CD Financial Podcast, Chuck D and Marcus C delve into the implications of the new Secure Act 2.0, particularly focusing on catch-up contributions to retirement accounts. They discuss the differences between Roth and traditional contributions, the tax implications of forced Roth contributions, and the concerns that high earners may have regarding their tax bills. The conversation also touches on the challenges of payroll setup for federal employees and the perceived unfairness of the new rules. Additionally, they provide insights into how these changes may affect cash flow and retirement planning, concluding with a health tip emphasizing the importance of resistance training for longevity. Takeaways Catch-up contributions can be made to Roth or traditional accounts depending on income levels. The Secure Act 2.0 mandates Roth contributions for high earners. Tax implications of Roth contributions can affect take-home pay. Forced Roth contributions may disrupt financial planning for some individuals. Payroll systems may struggle with the implementation of new rules. Many employees feel penalized by the new tax rules. Federal employees need to consider how these changes affect Medicare premiums. Regional variations exist in contribution rules for federal employees. It&apos;s crucial to review retirement plans regularly to avoid mistakes. Resistance training is essential for maintaining health as we age. 🔗 LINKS &amp; RESOURCES FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube Newsletter: https://cdfinancial.com/newsletter Socials: Instagram: https://instagram.com/cdfinancial.llc/ Facebook: https://facebook.com/cdfinancial LinkedIn: https://linkedin.com/company/cd-financial 👋 WHO ARE WE? CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant. ⏱ TIMESTAMPS 0:00 Introduction to Catch-Up Contributions 1:03 Understanding Roth vs. Traditional Contributions 4:53 Concerns About Tax Implications 8:47 The Impact of Forced Roth Contributions 12:36 Navigating Payroll Changes 16:13 Perceptions of Fairness in Taxation 20:03 Federal Employees and Medicare Considerations 22:16 Regional Variations in Contribution Rules 24:29 Conclusion and Health Tips Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial &amp; Insurance Services LLC, an affiliated company. Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.<a rel="payment" href="https://www.buzzsprout.com/1988141/support">Support the show</a>

<description>&lt;p&gt;In this episode of the CD Financial Podcast, Chuck D and Marcus C delve into the implications of the new Secure Act 2.0, particularly focusing on catch-up contributions to retirement accounts. They discuss the differences between Roth and traditional contributions, the tax implications of forced Roth contributions, and the concerns that high earners may have regarding their tax bills. The conversation also touches on the challenges of payroll setup for federal employees and the perceived unfairness of the new rules. Additionally, they provide insights into how these changes may affect cash flow and retirement planning, concluding with a health tip emphasizing the importance of resistance training for longevity.&lt;br/&gt;&lt;br/&gt;Takeaways&lt;br/&gt;&lt;br/&gt;Catch-up contributions can be made to Roth or traditional accounts depending on income levels.&lt;br/&gt;The Secure Act 2.0 mandates Roth contributions for high earners.&lt;br/&gt;Tax implications of Roth contributions can affect take-home pay.&lt;br/&gt;Forced Roth contributions may disrupt financial planning for some individuals.&lt;br/&gt;Payroll systems may struggle with the implementation of new rules.&lt;br/&gt;Many employees feel penalized by the new tax rules.&lt;br/&gt;Federal employees need to consider how these changes affect Medicare premiums.&lt;br/&gt;Regional variations exist in contribution rules for federal employees.&lt;br/&gt;It&amp;apos;s crucial to review retirement plans regularly to avoid mistakes.&lt;br/&gt;Resistance training is essential for maintaining health as we age.&lt;br/&gt;&lt;br/&gt;🔗 LINKS &amp;amp; RESOURCES&lt;br/&gt;FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtube&lt;br/&gt;Newsletter: https://cdfinancial.com/newsletter&lt;br/&gt;&lt;br/&gt;Socials:&lt;br/&gt;Instagram: https://instagram.com/cdfinancial.llc/&lt;br/&gt;Facebook: https://facebook.com/cdfinancial&lt;br/&gt;LinkedIn: https://linkedin.com/company/cd-financial&lt;br/&gt;&lt;br/&gt;👋 WHO ARE WE?&lt;br/&gt;CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.&lt;br/&gt;&lt;br/&gt;⏱ TIMESTAMPS&lt;br/&gt;0:00 Introduction to Catch-Up Contributions&lt;br/&gt;1:03 Understanding Roth vs. Traditional Contributions&lt;br/&gt;4:53 Concerns About Tax Implications&lt;br/&gt;8:47 The Impact of Forced Roth Contributions&lt;br/&gt;12:36 Navigating Payroll Changes&lt;br/&gt;16:13 Perceptions of Fairness in Taxation&lt;br/&gt;20:03 Federal Employees and Medicare Considerations&lt;br/&gt;22:16 Regional Variations in Contribution Rules&lt;br/&gt;24:29 Conclusion and Health Tips&lt;br/&gt;&lt;br/&gt;Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial &amp;amp; Insurance Services LLC, an affiliated company.&lt;br/&gt;Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.&lt;/p&gt;&lt;p&gt;&lt;a rel="payment" href="https://www.buzzsprout.com/1988141/support"&gt;Support the show&lt;/a&gt;&lt;/p&gt;</description>

In this episode of the CD Financial Podcast, Chuck D and Marcus C delve into the implications of the new Secure Act 2.0, particularly focusing on catch-up contributions to retirement accounts. They discuss the differences between Roth and traditional contributions, the tax implications of forced Roth contributions, and the concerns that high earners may have regarding their tax bills. The conversation also touches on the challenges of payroll setup for federal employees and the perceived unfa...

High Earners Might Be Missing This 2026 Catch-Up Opportunity

The objective of this podcast is to educate and enlighten you about your federal benefits and to guide you in creating a well-formed retirement income plan.&nbsp; Schedule your complimentary 15-minute phone call today! https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

Federal Employees Retirement & Benefits Podcast by CD Financial

Details

Recent Episodes