Retirement savings are facing a major shake-up under the SECURE 2.0 Act, and many Americans could see their nest eggs affected. Starting in 2026, new IRS rules will change how high earners make catch-up contributions, how older workers can save more, and how automatic enrollment impacts new employees. From mandatory Roth accounts to penalty-free emergency withdrawals, these shifts could significantly impact your retirement strategy and tax planning. Here’s what you need to know to protect your savings.