In partnership with
Monday, December 8, 2025
Most people know the standard 401(k) limits are going up next year. But there is a specific, "hidden" tier of savings opening up in 2026 that most retirees are completely overlooking.
If you are between the ages of 60 and 63, the rules just changed in your favor.
Here is the "Good, Bad, and Ugly" of what’s coming in 2026.
💰 1. The "Super Catch-Up" Opportunity
Starting January 1, 2026, the IRS is introducing a "Super Catch-Up" contribution limit.
The Old Rule: If you were 50+, you could contribute an extra $7,500 to your 401(k).
The New Rule: If you are 60, 61, 62, or 63, that limit jumps to $11,250.
This is a massive, fleeting window to stash away tax-advantaged cash right before the finish line. Are you eligible?
👉 [Read: How to Maximize the 2026 "Super Catch-Up"]
$1K Could’ve Made $2.5M
In 1999, $1K in Nvidia’s IPO would be worth $2.5M today. Now another early-stage AI tech startup is breaking through—and it’s still early.
RAD Intel’s award-winning AI platform helps Fortune 1000 brands predict ad performance before they spend.
The company’s valuation has surged 4900% in four years* with over $50M raised.
Already trusted by a who’s-who roster of Fortune 1000 brands and leading global agencies. Recurring seven-figure partnerships in place and their Nasdaq ticker is reserved: $RADI.
This is a paid advertisement for RAD Intel made pursuant to Regulation A+ offering and involves risk, including the possible loss of principal. The valuation is set by the Company and there is currently no public market for the Company's Common Stock. Nasdaq ticker “RADI” has been reserved by RAD Intel and any potential listing is subject to future regulatory approval and market conditions. Investor references reflect factual individual or institutional participation and do not imply endorsement or sponsorship by the referenced companies. Please read the offering circular and related risks at invest.radintel.ai.
⚠️ 2. The "IRMAA Cliff" (Don't Trip)
We project Social Security benefits will rise by roughly 2.8% in 2026. That sounds great, until you factor in the "IRMAA Cliff."
If you do a large Roth Conversion in late 2025 to save on taxes, it counts as income. This could trigger a surcharge on your Medicare Part B and D premiums two years later (in 2027), effectively wiping out your COLA raise.
👉 [Read: The $1 Mistake That Doubles Your Medicare Premiums]
💊 3. Finally, Some Good News on Prescriptions
For years, the "donut hole" was a nightmare. In 2026, it’s officially gone. The new laws cap total out-of-pocket costs for Part D prescription drugs at $2,100 for the year. If you have high medication costs, your bills could drop significantly starting January 1.
💡 One Last Thought
A reader named Sarah replied to last week’s email saying, "I spent so much time worrying about running out of money, I forgot to worry about running out of time."
As you prep your portfolio for 2026, don't forget to prep your bucket list, too. (Have you looked into that "Grey Gap Year" yet?)
Stay Unlocked,
Sarah
The Retirement Unlocked Team