đź’°Three Things To Know About Your Savings, Taxes and Income in 2026
About this episode
Patrick Huey discusses three important changes coming in 2026 that will impact savings, taxes, and income strategies for retirement.
Did you know there are quiet little rule changes already in place for 2026 that could cost you real money over a 20–30 year retirement—or quietly save you a bundle—depending on how you plan? In this HL4TMI Special Report, I walk through three changes that affect how you save, invest, and take money out in retirement starting in 2026. These aren’t headlines for tax nerds; they’re levers you can pull to lower your lifetime tax bill and gain more control over your income. In this video, you’ll learn: 💰How “Roth‑only” catch‑up contributions for higher‑earning workers age 50+ will shift when you pay tax, and what that means for your paycheck and future Required Minimum Distributions (RMDs). 💰Why a higher SALT (state and local tax) deduction cap makes the timing of Roth conversions, capital gains, and charitable giving more important than ever—especially if you live in a high‑tax state. 💰How a new senior deduction quietly widens your “low‑tax runway,” creating room for smarter IRA withdrawals, partial Roth conversions, and portfolio rebalancing without jumping brackets. 💰The key questions to ask right now about your savings buckets (pre‑tax, Roth, and taxable), your state taxes…
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