Key Points Workers 50 and over can make catch-up contributions in their retirement plans. Beginning next year, higher earners will only be able to make 401(k) catch-ups using after-tax dollars. While this change might seem unfavorable, there's another way to look at it. The $23,760 Social Security bonus most retirees completely overlook › A lot of people struggle to save well for retirement earlier in life. In your 20s, you may have been saddled with student debt. In your 30s, you may have been ...