Roth-Only 401(k) Catch-Up Contributions Service

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Roth-Only 401(k) Catch-Up Contributions Service

Inspired by a conversation on:

Talking Real Money - Investing Talk

Talking Real Money - Investing Talk

Clements' Consistent Counsel

Host: Don McDonald

Timestamp: 25:22 - 27:22

Listen to Episode • View Podcast • All Ideas from Talking Real Money - Investing Talk

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Feather Flow

Direct Quote

"If you make over $145,000 starting in 2026, that catch up... will have to go into Roth if you do the catch up."

Market Gap

High earners face new tax implications for retirement savings.

Starting in 2026, individuals earning over $145,000 will be required to contribute their catch-up contributions to a Roth 401(k) instead of a traditional one. This change complicates retirement planning for high earners who may not be aware of the implications of paying taxes upfront on these contributions. Current options for navigating this change are limited, and many individuals may struggle to understand how this affects their overall retirement strategy.

Summary

The idea is to create a service that helps high-earning individuals navigate the new Roth-only 401(k) catch-up contributions starting in 2026. This service would offer personalized financial planning to address tax implications and assist clients in making informed decisions regarding their retirement accounts. It would include educational resources and actionable strategies to maximize their retirement savings while complying with the new regulations. The target audience consists of high-earning professionals and business owners who seek guidance on adapting to these changes.

Categorization

Business Model
Service
Target Founder
Subject Matter Expert
Difficulty
Medium
Time to Revenue
1-3 months
Initial Investment
$1,000-$10,000

Potential MRR (18-24 months)

Conservative
$5,000 - $10,000 MRR
Moderate (Most Likely)
$10,000 - $20,000 MRR
Optimistic
$20,000 - $30,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
7/10
Feasibility
6/10
Market Potential
7/10
Evidence
6/10
Overall
6.8/10
Found on September 30, 2025 • Analyzed on September 30, 2025 7:02 PM

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How should I validate this service idea before building it?

2:34 PM

Great question! For a service idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Subject Matter Expert to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

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2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 1-3 months, here's my recommendation:

Technical Strategy:

  • Start with no-code tools for rapid prototyping
  • Consider your technical background and available $1,000-$10,000
  • Plan for scalability from day one

I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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Similar Ideas

Roth Conversion Optimization Service

The concept involves creating a consulting service or software that assists individuals in optimizing their Roth IRA conversion strategies. This service would analyze clients' current income, projected taxes, and retirement plans to provide personalized conversion recommendations. It could include modeling different scenarios based on future income and tax brackets, similar to the considerations discussed in the podcast. This service would appeal to high-net-worth individuals and retirees who are planning to relocate to states with different tax implications, helping them make informed decisions that minimize their tax liabilities and maximize their retirement income.