Money Guy Show 3 Big 401(k) Updates That Could Impact Your Future
27 snips
Feb 27, 2026 They unpack three major 401(k) rule changes coming in 2026, including contribution limit adjustments and a new Roth requirement for certain catch-up contributions. They flag the arrival of alternative investments inside plans and why that might be more distracting than helpful. They also highlight how many people cash out or mishandle old plans and stress checking allocations and rollover options.
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Why 401ks Are Uniquely Powerful
- 401ks combine free employer money, automatic payroll contributions, and compound growth to make retirement saving powerful.
- Bo Hanson and Brian Preston emphasize employer matches (92% of sponsors) plus automatic investing as the main drivers of wealth creation.
Teacher’s $100 A Month Millionaire Story
- Brian shares his teacher's comment that saving $100 a month could make you a millionaire, and Bo quantifies it: $95/month from age 20 to 65 reaches $1M.
- They use this story to show compound growth turns small monthly savings into almost all growth rather than contributions.
Max Out 2026 Contribution Increases
- Maximize 401k contributions in 2026 because limits increased to $24,500 and catch-up to $8,000 for those 50+.
- People aged 60–63 get an extra super catch-up allowing an additional $11,250 on top of the regular and standard catch-up amounts.
