SECURE 2.0 Catch-Up Contribution Changes in 2026: What Every Federal Employee Over 50 Must Know Now
Breaking: The SECURE 2.0 Act has introduced major changes to catch-up contributions that directly affect every federal employee over age 50. If you are not paying attention to these new rules, you could be leaving tens of thousands of dollars on the table — or worse, making contributions that violate new IRS requirements. At Warrior Retirement , we break down exactly what changed, who is affected, and the tactical moves you need to make right now. What Changed With SECURE 2.0 Catch-Up Contributions? The SECURE 2.0 Act , signed into law as part of the broader retirement reform legislation, introduced several significant changes to how federal employees can make catch-up contributions to their Thrift Savings Plan (TSP) starting in 2026: 1. New Super Catch-Up for Ages 60-63 This is the biggest change. Federal employees between ages 60 and 63 can now contribute an additional $11,250 in catch-up contributions — significantly more than the standard $7,500 catch-up for those...