Key Points Workers ages 50 and older can make catch-up contributions in a 401(k). Starting this year, higher earners will be barred from making pre-tax catch-ups. It's important to plan for that, since it could impact your taxes. The $23,760 Social Security bonus most retirees completely overlook › If you're going to save for retirement, it generally makes sense to do so in a tax-advantaged account. That way, you can shave down your IRS bill in some shape or form in the course of building up a ne ...