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When it comes to saving for your future, knowing where to direct your next dollar can make all the difference. From emergency funds and workplace retirement plans to debt repayment and long-term goals, many individuals follow a general “hierarchy” to guide their savings decisions. This framework helps prioritize what to focus on first — building a cash cushion for unexpected expenses, capturing your employer’s retirement plan match, managing high-interest debt, and eventually

Starting January 1, 2026, a significant change takes effect for workplace retirement plan participants age 50 or older who earned more than $145,000 in the prior year: any catch-up contributions to a 401(k) or 403(b) must be made as Roth (after-tax) contributions. This requirement comes via the SECURE 2.0 Act. This article explains what the change means, who it applies to, and how it might influence your retirement savings strategy.