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

1. High earners must pay taxes on catch-up 401(k) contributions starting in 2026. 2. New 'super catch-up' allows increased contributions for ages 60-63. 3. Tax burden estimated at $4,000 for high earners contributing fully. 4. Behavior change may reduce catch-up contributions among affluent individuals. 5. Fewer contributions could impact long-term retirement readiness for older workers.