Just found out IRA contribution limits are jumping again in 2026. If you're under 50 like me, we're looking at $7,500 now instead of $7,000 - that's $625 a month to max it out. Not impossible but definitely requires some planning.

The part that got me thinking is the Roth IRA angle. I've been assuming Traditional was the way to go, but apparently if you're a higher earner, there are Roth IRA income limits 2026 that might lock you out anyway. So it's not even an option for some people depending on what they make. Seems like you really need to check those Roth IRA income limits 2026 before committing to a strategy.

If you can't hit the full $625 monthly, the article suggests throwing whatever you can at it - tax refunds, bonuses, whatever. Even partial contributions add up. And honestly, the automatic transfer trick is genius - just set it and forget it so you don't accidentally spend retirement money.

Anyone else trying to max theirs out this year? Curious if people are doing monthly transfers or just dumping a lump sum in.