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The decade before you stop working decides more of your retirement than the thirty years before it. Catch-up contributions, Roth conversion windows, the Social Security claiming decision, sequence-of-returns risk and the healthcare bill nobody budgets for — in the order we actually tick them off with clients.
The "break even in 24 months" rule quietly stopped working years ago. Here is the model we run instead — points, lender credits, reset dates and the two scenarios where waiting beats refinancing.
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Fifty-eight categories is not a budget, it is a homework assignment. The five-envelope method we use with clients, including the buffer line that stops month three collapse.
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Nine checkpoints for the decade before retirement, from catch-up maths to the Roth conversion window and Medicare premiums.
A four-variable break-even model, three real client examples and the situations where we advise against refinancing.
The five-envelope method: a monthly rhythm that survives a flat tyre, a birthday and a variable-hours payslip.
The six things we do for clients, with typical terms and what we need from you.
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