401(k) & HSA Catch-Up Stack in 2026: What Late Starters Miss

Most late starters know about 401(k) catch-up contributions — but almost nobody talks about stacking the HSA catch-up on top of it. In 2026, if you're 55 or older and enrolled in a high-deductible health plan, you can funnel up to $5,400 into an HSA on top of your 401(k) catch-up, creating a tax-sheltered combination most financial media completely ignores. Chapters: 0:00 Why the Two-Account Stack Matters 1:30 401(k) Catch-Up Limits in 2026 3:01 The SECURE 2.0 Age 60–63 Super Catch-Up 4:32 How the HSA Catch-Up Actually Works 6:03 The Full Numbers Walkthrough 7:34 Edge Cases That Trip People Up 9:05 Disclaimer & CTA This video walks through how both accounts work together, the exact 2026 contribution limits from the IRS, the special age 60–63 "super catch-up" under SECURE 2.0, and a real end-to-end dollar example showing what this stack can look like over a decade. I'm not a licensed financial advisor. This is general education, not personalized advice. Consult a fiduciary before acting. [Affiliate links placeholder] 📊 Get the free Social Security Break-Even Calculator (see exactly when delaying vs claiming pays off for YOUR situation): https://bflanary-prog.github.io/yt-le...