IRS rules now say 401(k) catch-ups for high earners have to be in a Roth. Is it still worth it?

If you look at the numbers, this is largely already happening, but only in a very small niche of retirement savers. Vanguard’s annual “How America Saves” report shows that 14% of workplace savers hit the maximum allowed contribution in 2024, which is the first step to getting to catch-ups. Of those eligible by age, 16% made catch-up contributions and 18% used any Roth features, and most of these people were making more than $150,000.But what’s the benefit for individuals to motivate them to make super catch ...