IRS Just Raised Retirement Contribution Limits - Here's Why It Matters
The IRS officially increased retirement contribution limits for 2025, and this change quietly creates one of the biggest opportunities for long-term wealth building
New 2025 Contribution Limits
401(k): Now $23,000
IRA/Roth IRA: Now $7,500
Catch-Up (Age 50+): $8,500
This means you can shelter more money from taxes, grow more wealth passively, and build a stronger long-term financial foundation.
Why This Matter
Most people don't take full advantage of tax-advantaged accounts - and it's costing them tens of thousands over their lifetime.
A higher limit =
More tax savings.
More compounding power.
More long-term freedom.
For example:
Add $500 more per year into a Roth IRA at 8% for 30 years
It becomes $56,000 in extra wealth, just from the limit increase.
MMI Insight
You don't need to max out these accounts on day one.
But increasing contributions as your income grows - even by $25 - $50 at a time - dramatically speeds up wealth-building
Small move = Big results. This is how wealth is built, quietly and consistently.