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Free 8-Page PDF Guide

Catch-Up Contributions

Most 55-Year-Olds Have $87,000 Saved. Here's the Math.

An 8-page guide for the late-starter who wants the actual numbers — three medians, two scenarios, and a four-question decision tree most coverage skips.

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Most 55-Year-Olds Have $87,000 Saved. Here's the Math. — 8-page PDF guide cover mockup

8 pages · PDF · ~3 min to skim

Inside the guide

A thoroughly researched,
concise reference.

Sourced to IRS, SSA, and Treasury publications. Educational content, not financial advice.

  • Three medians, three things being measured — $87K (Vanguard 401(k) only), $185K (Federal Reserve conditional median), $10K (true population median). Which one actually describes you.

  • The aggressive, realistic, and work-to-67 scenarios — full math with stated assumptions, portfolio income, and projected total replacement income with Social Security.

  • The ages-50-to-73 timeline — every catch-up provision and withdrawal milestone in chronological order, with 2026 IRS figures.

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Educational content, not financial advice. By submitting, you agree to our Privacy Policy.