The catch-up window most women miss.

The Sunday letters have been mostly health. This one's money, because the catch-up window is closing on a lot of you and most financial advisors don't bring it up.

At age 50, the IRS lets you contribute extra to retirement accounts on top of the normal limit. For 2025: $7,500 extra to 401(k)s (total $30,500), $1,000 extra to IRAs (total $8,000), and the new SECURE 2.0 "super catch-up" at age 60-63 is $11,250 extra to 401(k)s.

These aren't tax tricks. They're explicit policy designed for exactly this decade — when kids are launched, mortgage may be lighter, and you have your highest-earning years.

The window matters because:

1. You're statistically in your peak earning years 50-60. BLS data, 2024 — median weekly earnings peak for women at age 55-64. This is the highest contribution capacity you'll have.

2. The compounding window is short but real. $30,500/year for 10 years at 7% is $421,000. At 8% (S&P historical) it's $441,000. These are not small numbers added to whatever you already have.

3. Most women don't use the catch-up. Vanguard's 2024 How America Saves report: only 14% of eligible women use the catch-up vs. 19% of men. The gap costs the median woman roughly $180K by age 65.

The Roth conversion year

Separately: somewhere in the 45-65 window, most people have exactly one year where converting traditional IRA dollars to Roth makes obvious sense. Usually it's a low-income year — between jobs, sabbatical, semi-retirement, low-bonus year.

Why: you pay tax on the conversion at your current marginal bracket. If your bracket is temporarily low, you're moving money from a future high-tax environment to a future tax-free environment at a discount.

The math: in a 12% bracket year, converting $40,000 costs $4,800 in tax now and is forever tax-free. In a 22% bracket year, it costs $8,800. Same amount converted, $4,000 different. The year matters.

How to identify yours: check your last 5 years of marginal brackets. Project the next 5. Look for the dip. That's your conversion year. Often it's right after a kid finishes college, or a job change, or a partner's retirement.

The claim-age math

Social Security: you can claim anywhere from 62 to 70. The "right" age depends on (a) longevity expectation, (b) other income, (c) marital status.

Quick math: each year you delay between Full Retirement Age (67) and 70 adds 8% to your monthly benefit, for life. Eight years of delay (62→70) increases your benefit by about 76%.

The single underappreciated factor: if you're married and one spouse will outlive the other significantly, the higher-earning spouse delaying to 70 maximizes the survivor benefit. The widow/widower keeps the higher of the two benefits — and that benefit was permanently increased by the delay.

For most married couples I see modeled, the optimal play is: lower-earner claims at 62-65 for cash flow, higher-earner delays to 70 for the survivor benefit. The breakeven against claiming at 67 is ~age 80.

What to do this week

Three actions, in this order:

1. Check your 401(k) contribution rate — are you on track to hit the $30,500 catch-up limit by year-end? If not, increase the deferral percent today. Most plans let you adjust online in two clicks.
2. Project your 2025 marginal bracket vs. 2026-2028. If there's a dip coming, that's your Roth conversion window. Talk to a CPA, not just a CFP — the tax math matters more than the investment math.
3. Pull your Social Security statement at ssa.gov/myaccount. Look at the three benefit projections (62, 67, 70). Run the survivor benefit scenario if married.

Next week: collagen — what the trials actually show vs. what the supplement industry says.

Alexander After Forty Feel Reader-funded. Research-led. No supplement-brand sponsorships.