https://preservewm.com
We've been keeping up with the latest headlines...
here are two of our favorites worth sharing.
** Your Money
------------------------------------------------------------
Workers age 50 and older can contribute up to $31,000 to their 401(k) in 2025—the standard $23,500 limit plus an additional $7,500 "catch-up contribution" designed to help near-retirees boost savings. But starting in 2026, workers earning over $145,000 must make these catch-up contributions to Roth accounts instead of traditional pre-tax accounts, meaning they'll pay taxes upfront rather than getting an immediate deduction.
Despite this change, I believe catch-up contributions remain worthwhile. The tax-free growth and withdrawals offered by Roth accounts provide valuable benefits, especially for those living longer in retirement. Additionally, Roth savings create tax diversification and protect against future tax rate increases.
Having Roth assets can also help manage other retirement concerns, including required minimum distributions, Social Security taxation, and Medicare IRMAA surcharges. While the 2026 rule may initially seem like a penalty, we recommend viewing catch-ups as part of a comprehensive retirement strategy.
The bottom line: Higher earners shouldn't abandon catch-up contributions. With proper planning and professional guidance to manage near-term tax impacts, Roth catch-ups can help you "save smarter—not just more" as you approach retirement.
I may lose a 401(k) tax break in 2026. Should I max out my 401(k) anyway? (https://www.kiplinger.com/retirement/401ks/im-52-make-usd210k-a-year-and-heard-i-may-lose-a-401-k-tax-break-should-i-max-out-my-401-k-anyway)
by Maurie Backman
** Your Life
------------------------------------------------------------
Maintaining good posture isn’t just about looking poised—it can improve breathing, digestion, circulation, and even mood. Poor posture, especially from hours of sitting or screen use, can lead to long-term strain on the body. Making small adjustments, like aligning your head and shoulders or standing up regularly, can go a long way toward better overall health and comfort.
Yes, You Should Stand Up Straight—for All Sorts of Reasons (https://www.wsj.com/health/wellness/healthy-good-posture-benefits-5627bee5?st=qBfCuw&reflink=desktopwebshare_permalink)
by Kate Murphy
https://www.linkedin.com/in/danheth/
https://www.linkedin.com/in/rosalynn-harvey-heth-mpa-ceps-3a3aa3191/
** Complexity Simplified
------------------------------------------------------------
Ironically, the place where you clean your dishes can harbor more bacteria than you'd think. But keeping your sink spotless doesn't have to be a chore—it's easier than you imagine.
The secret? Simple household staples you already have: baking soda, vinegar, and a soft scrub brush. These gentle yet effective cleaners work on any sink type without harsh chemicals or complicated steps. Just a quick sprinkle, scrub, and rinse transforms a grimy basin into a sparkling centerpiece.
How to Clean a Kitchen Sink (https://www.nytimes.com/wirecutter/reviews/how-to-clean-a-kitchen-sink/?campaign_id=190&emc=edit_ufn_20250324&instance_id=150788&nl=from-the-times®i_id=139298571&segment_id=194255&user_id=27e95322319a8a87c241579872ee2e45)
by Abigail Bailey
** Trivia
------------------------------------------------------------
Last week's answer: Madagascar
This week's question: Who performs the character of Mark Zuckerberg in the movie “The Social Network”?
https://youtu.be/p3j2NYZ8FKs?si=Wd5X7kvHVVX_1lM3
** Back in 1986, this song reached #1
------------------------------------------------------------
============================================================
** Facebook (https://www.facebook.com/preservewm)
** Twitter (https://twitter.com/preservewm)
** LinkedIn (https://www.linkedin.com/company/preservewm/about/)
Copyright © *|CURRENT_YEAR|* *|LIST:COMPANY|*, All rights reserved.
This email was sent to *|EMAIL|* (mailto:*|EMAIL|*)
why did I get this? (*|ABOUT_LIST|*) unsubscribe from this list (*|UNSUB|*) update subscription preferences (*|UPDATE_PROFILE|*)
*|LIST_ADDRESSLINE_TEXT|*
*|REWARDS_TEXT|*
