The Wealthy Pilot's Podcast: Financial Flight Controls for Today's Commercial Airline Pilots

401(k) Contribution Limits for 2026: What Pilots Need to Know

Scott Osborn

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0:00 | 16:50

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A new year is the perfect time to revisit the numbers driving your retirement plan- and in this episode, Scott walks through the most important 401(k) updates pilots need to understand for 2026. From standard contribution limits to catch-up and “super catch-up” opportunities, Scott explains what’s changed, who it affects, and why contribution strategy matters just as much as contribution size. The conversation goes deeper into new rules requiring catch-up contributions to go into Roth accounts, the long-term value of tax diversification, and the hidden risks of relying too heavily on pre-tax savings.

Here’s some of what we discuss in this episode:

💡 401(k) contribution and catch-up limits for 2026 

🦸 “Super catch-up” opportunities for ages 60–63 

🧾 New rules requiring catch-up contributions to be Roth 

⚖️ Pre-tax vs. Roth strategy and tax diversification 

🚨 The hidden risk of the widow’s tax trap 

🎯 Why contribution strategy matters as much as contribution amount

Resources:

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