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The SECURE Act, and now SECURE Act 2.0, have brought about *significant* changes to retirement planning, and Roth 401(k)s are no exception. One of the *key* provisions of the original SECURE Act was the elimination of the age limit for IRA contributions, which indirectly benefits Roth 401(k) participants who may want to roll over funds into a Roth IRA later in life. SECURE Act 2.0 builds upon this foundation with several provisions that could further enhance the attractiveness of Roth 401(k)s. For example, it includes measures to expand access to retirement plans for part-time workers, potentially allowing more individuals to participate in Roth 401(k)s. Additionally, there are provisions related to student loan payments being matched with retirement contributions, which could incentivize younger workers to save for retirement while paying off debt. These changes can make a *big* difference in how you plan for retirement. Moreover, the SECURE Act 2.0 includes changes to required minimum distributions (RMDs), pushing back the age at which you need to start taking withdrawals from retirement accounts. While this primarily affects traditional 401(k)s, it indirectly impacts Roth 401(k)s by allowing you to potentially delay conversions and manage your tax liabilities more effectively. Keeping up with these developments is essential for making informed decisions about your retirement savings and ensuring you're taking full advantage of the available opportunities.