I Asked ChatGPT the Smartest Retirement Move To Make in 2026 — Its Advice Was Shockingly Simple

Core Insights - The article emphasizes the importance of a Roth-first strategy for retirement planning, particularly in light of upcoming tax changes in 2026 [2][3][4] Group 1: Roth Accounts Strategy - The recommended approach is to maximize contributions to Roth accounts while tax rates are still low, prioritizing Roth IRA and Roth 401(k) contributions over traditional accounts [3][5] - Converting funds from traditional IRAs to Roth IRAs before tax rates increase can lead to significant tax savings in the long run [4][5] Group 2: Timing and Tax Implications - The expiration of the Tax Cuts and Jobs Act provisions after 2025 will likely result in higher federal tax rates for many Americans starting in 2026 [4] - By converting to Roth accounts before the tax rate increase, individuals can lock in lower tax rates and benefit from tax-free growth [5][7] Group 3: Implementation Steps - The Roth-first strategy involves three key actions: contributing to Roth accounts, converting traditional IRA funds to Roth, and maximizing contributions to Roth options in 401(k) plans [6][7][8] - For 2025, the contribution limits for 401(k) plans are set at $23,000 for individuals under 50 and $30,500 for those aged 50 and older [8]