Financial Planning in Your 50s: The Final Stretch to Retirement

Use catch-up contributions to 401(k) and IRA. Model retirement spending with real numbers.

Social Security

Delaying benefits to 70 maximizes monthly checks for many—run SSA calculators.

Healthcare

Bridge coverage to Medicare at 65 if retiring early—budget COBRA or marketplace plans.

Conclusion

Gradually reduce equity if you cannot tolerate a 30% drawdown five years before retiring.