The catch-up provisions don't apply to us anyway, with my wife retired and me quasi-retired even though we're in our 50's. We paid off all debts except the house (very low interest rate, so instead of paying that down I invested more) and invested a lot in Roth accounts and tax-deferred accounts with the understanding that part of that money might be used for one of our kid's college (nursing school), which is happening now. In other words, for our long term financial planning our 50's is the phase of slow withdrawals, not still making contributions. Then when I fully retire in my late 50's we'll do the 4% annual withdrawals (or 1/3 of 1% monthly).
And yes, part of the reason we're able to do that is we don't live in a big city where $150K is chicken feed. We're in a fairly rural suburb in Sweet Home Alabama.