401(k) Explained: The 2026 Rules, Straight From the IRS

Name: 401(k) Explained: The 2026 Rules, Straight From the IRS
Uploaded: 2026-10-17
Duration: 5 min 51 s
Description: In 2026 you can put up to 24,500 dollars of your own pay into a 401(k), up from 23,500, and an employer can add more on top. The video covers how much goes in, how the employer's money becomes yours and the fee detail an official labor guide says is worth checking. Subscribe for more numbers…

5:51 · 2026-10-17

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Chapters

0:00Intro
0:23The Basics
0:44How Much
1:49The Match
2:30Roth 401(k)
2:48Automatic Enrollment
3:08The Fees
3:37Who Has One
3:57Taking It Out
4:59Your 401(K) In 3 Steps

Sources and notes

In 2026 you can put up to 24,500 dollars of your own pay into a 401(k), up from 23,500, and an employer can add more on top. The video covers how much goes in, how the employer's money becomes yours and the fee detail an official labor guide says is worth checking.

Subscribe for more numbers straight from official sources: https://www.youtube.com/@WealthFilings?sub_confirmation=1

The 401(k), explained with the official 2026 rules: the $24,500 employee limit, the $8,000 catch-up at 50 and older ($32,500 total), the $11,250 catch-up at 60 to 63, the $72,000 overall limit, how the employer match and vesting work, the Roth 401(k), automatic enrollment, the Labor Department's fee example, who has access to a plan, and the rules for taking money out. Facts, not financial advice.

Watch next:
How to Become a Millionaire (Federal Reserve Data): https://youtu.be/uXOvwUXK0vQ

Chapters
0:00 Intro
0:23 The Basics
0:44 How Much
1:49 The Match
2:30 Roth 401(k)
2:48 Automatic Enrollment
3:08 The Fees
3:37 Who Has One
3:57 Taking It Out
4:59 Your 401(K) In 3 Steps

Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.