SECURE 2.0 Changes Force High Earners to Rethink 401(k) Strategy. Here’s the Math.

A reader on a Bogleheads forum recently posed the question that frames this entire piece: at 58 with $2.3 million already saved in a traditional 401(k), why keep stuffing more pretax dollars into an account future-you will hate? The default planner answer still defaults to “max it out.” For high earners with seven-figure balances, that ... SECURE 2.0 Changes Force High Earners to Rethink 401(k) Strategy. Here’s the Math.