Dan and Katelyn discuss the latest proposals aimed at supporting federal employees during potential shutdowns, including the Shutdown Guidance for Financial Institutions Act (H.R. 5689), the Emergency Relief for Federal Contractors Act (H.R. 5690), and the Emergency Relief for Federal Workers Act (2025). They highlight key provisions, potential impacts, and practical steps Feds can take while Congress deliberates. They also cover the updated 2025–2026 contribution limits and explain how age, income, and account type shape decisions across the TSP, IRAs, Roth IRAs, and SIMPLE IRAs.
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The Fed15 Podcast: Shutdown Relief Proposals and 2026 Contribution Limit Updates
Dan breaks down several proposals aimed at providing shutdown relief, credit protection, and cash-flow options for federal employees. He starts with the Shutdown Guidance for Financial Institutions Act (H.R. 5689), outlining what it directs regulators (the Fed, CFPB, and NCUA) to do and what it could mean if passed. He then covers the Emergency Relief for Federal Contractors Act (H.R. 5690), highlighting key provisions and potential impact, followed by the Emergency Relief for Federal Workers Act (2025) and its core purpose, allowances for federal employees, and expected implications. Dan wraps up with practical steps Feds can consider while Congress deliberates.
Katelyn then walks through the updated contribution limits for major retirement accounts. She begins with the new TSP limits for 2025 and 2026, and explains how age and income levels influence traditional, Roth, or blended contribution strategies. She covers catch-up contributions for those 50+, the super catch-up window for ages 60–63, and special considerations for individuals earning $145K+. She also covers updated limits for IRAs and Roth IRAs, with a brief note on SIMPLE IRAs.
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