At 50, the rules change: catch-up contributions, Roth conversion years, SECURE Act provisions, second-act career math, and the Social Security claim-age question. Long-form personal finance for the 40–60 decade — reported, not sold.
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When a lower-income year, a gap year, or early retirement makes conversion math worth running — and when it doesn't.
Earnings, health coverage, and sequence-of-returns risk when you rebuild income after 45 — without the hustle brochure.
A decision framework for 45–60: what to optimize first when time, tax brackets, and energy all shift at once.
62 vs full retirement age vs 70 — longevity assumptions, spousal strategy, and the cost of guessing wrong.
The conversion letter: brackets, IRMAA cliffs, and why “always convert” is as bad as “never convert.”
Structured modules for the catch-up decade. Reader-funded course — opens live Stripe Checkout, never a placeholder.
Reader-funded reporting — not a pricing grid. Membership and courses open live Stripe Checkout. Cancel anytime on memberships.
Archive access, Friday money notes, cancel anytime. For readers who want the desk without a year commit.
Two months free vs monthly. Same archive + Friday notes. Best if you already read the Money desk weekly.
Eight modules on catch-up, Roth years, claim age, second-act math. Lifetime access. Live Stripe — never a stub.
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Long-form reporting on what changes at 45+. Free forever. No supplement-brand sponsorships.