Earn Over $150,000? Your 401k Catch-Up Is Roth-Only Starting This Year

If your 2025 Social Security wages from your employer were over $150,000, your 401k catch-up contributions now have to go in as Roth. For a Kansas household in the 24% bracket, that means about $91 less take-home pay every two weeks. This guide explains who the rule covers, why Box 3 of your W-2 decides it, whether paying the tax now works in your favor, and four things to check before the year ends.