The IRS is preparing to implement a new Saver's Match program starting in 2027, aimed at enhancing retirement savings for low and moderate-income Americans by providing taxpayer-funded matching contributions of up to $1,000 annually. This initiative, part of the SECURE 2.0 Act, will replace the existing Saver’s Credit and is expected to benefit those with little tax liability by directly contributing to their retirement accounts. Public comments are being solicited to refine the program, including eligibility criteria and access for underserved communities. Additionally, the IRS has introduced changes allowing individuals to withdraw up to $1,000 from their 401(k) accounts without penalties for emergencies, a flexibility intended to alleviate immediate financial pressures. These adjustments reflect an ongoing effort to improve financial security through accessible retirement savings options. The overall changes aim to support the long-term financial health of millions while simplifying the process for obtaining and utilizing retirement funds.