2026 is a big year for IRAs. New rules for traditional and Roth IRAs could mean more tax-free savings in your retirement accounts. Contribution limits are up, income limits are higher, and for the first time ever, catch-up contributions are increasing for people 50 and over. On this episode of Money Unscripted, host Ally Donnelly and Fidelity’s Vice President of Retirement Offerings Rita Assaf break down what’s changing, why it matters, and how to make the most of these new opportunities. Roth IRA vs. traditional IRA: https://www.fidelity.com/learning-center/personalfinance/retirement/traditional-vs-roth Can you have a Roth IRA and a 401(k)?: https://www.fidelity.com/learning-center/smart-money/can-you-have-a-roth-iraand-a-401k View all episodes here: https://www.fidelity.com/learning-center/moneyunscripted. New episodes drop bi-weekly on Tuesdays. Have a comment or episode idea? We’d love to hear from you! Email us at moneyunscripted@fidelity.com. Be sure to follow, like, and share Money Unscripted! © 2026 FMR LLC. All rights reserved.