This undated file photo provided by NerdWallet shows Liz Weston, a columnist for personal finance website NerdWallet.com. Secure 2.0 gave people several new options for workplace retirement accounts, but it forces higher-income savers to use their plans’ Roth option for catch-up contributions. People ages 60 to 63 can make larger catch-up contributions, but many people won’t have the cash flow to take advantage of this option. (NerdWallet via AP, File)
