The Later-Life Money Checklist

The 10 things worth getting sorted for the second half of life — the same ones in the video. Enter your email and it appears right here, instantly.

The numbers actually worth knowing (most people skip these)
How to track down money you may have forgotten you have
The health-cost reality nobody warns you about — and how to face it early
The handful of documents that protect the people you love

Here it is — yours to keep

Your Later-Life Money Checklist

Work through these at your own pace. Print it, or use the button at the bottom.

Run your number.Write down roughly what you spend in a month and what you've saved. Start from something real.
Confirm your fixed costs.When does the mortgage end? When do the "big" bills drop off? Your finish line may be closer than your balance suggests.
Check your emergency buffer.Could you cover a surprise bill — or a few months — without selling investments in a panic?
Track down forgotten money.Old 401(k)s, pensions, IRAs, auto-investments. Compounding works hardest in the accounts you ignore.
Know your real retirement income.Pull your Social Security estimate (ssa.gov) and add any pensions or annuities.
Estimate your health costs.A 65-year-old today may spend ~$172,500 on healthcare in retirement (Fidelity, 2025) — before long-term care. Knowing it early beats being blindsided.
Don't miss your Medicare windows.Enrollment timing is mostly one-shot. Missing a window can cost you for life. Know your dates before they arrive.
Protect the people you love.Check your life-insurance gap and confirm every beneficiary is current.
Get the documents done.Will, power of attorney, healthcare directive — and a simple list of your accounts and passwords.
Have one conversation.Tell someone you trust where everything is. That's the kindest financial move there is.

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