The finish line comes into view.

The extra amount you can add once you turn 50, how it works in a traditional or Roth 401(k), and when to use it.

Why allocation changes with your timeline — and why going too conservative too early carries its own risk.

Turning a balance into a monthly number: the 4% rule of thumb, all your income sources, and what to do about a gap.

When withdrawals become mandatory, how the amount is calculated, how it grows with age, and how Roth accounts differ.