新的2025年财务细则加强了对老年工人的401(k)限制,并对爱尔兰共和军继承人实行处罚。 New 2025 financial rules boost 401(k) limits for older workers and introduce penalties for IRA heirs.

2025年的财政变化包括60-63岁工人的追赶率提高401(k),对继承的《劳资关系法》中遗漏的分配进行新的处罚,以及增加一些公务员的社会保障福利。 Financial changes in 2025 include a higher 401(k) catch-up for workers aged 60-63, new penalties for missed distributions in inherited IRAs, and increased Social Security benefits for some public workers. 老年工人的追补缴款限额为11 250美元,将总递延限额提高到34 750美元。 The catch-up contribution limit for older workers will be $11,250, raising the total deferral limit to $34,750. 从今年开始，IRA 的继承人将因错过所需的分配而面临 25% 的罚款。 Heirs of IRAs will face a 25% penalty for missed required distributions starting this year.