03 / Retirement money Retirement money
The Roth Catch-Up Rule at 50: What Changes for High Earners
If you are over 50 and earned more than $150,000 last year, your extra 401(k) savings now go in after tax. Here is what that costs and what to check.
Simply Forties — Midlife, minus the crisis narrative
Today on Simply Forties
4 new stories-
02 / Career change
How to Pay for Retraining at 45 Without Draining Savings
-
04 / Renting at 45+
Ontario Rent Increase Guideline 2027: What Renters Over 45 Should Check
-
01 / Benefits
2027 HSA Limits: What Changes in Your 40s and 50s
Latest
All stories
Set Your 2027 401(k) Contribution in Your 40s
Open enrollment is here and the IRS number is weeks away. Here is how to choose a percentage you will not have to redo.
Renting at 45, Eyes Open
Renting in midlife does not have to be a stopgap. With the right questions and a bit of planning, it can be a deliberate, secure way to live.
Retraining at 45: Test a New Career Before You Leap
You do not have to resign to find out whether a new field suits you. Here is how to test it cheaply, honestly and on your own terms first.
How to Pass a Rental Affordability Check in Midlife
Self-employed, mid career change or back after time out? Here is how affordability checks usually work, and how to present your situation clearly.
What Happens to Your Pension When You Change Careers
Changing careers does not wipe out your pension, but it can scatter it. Here is what usually happens to the money, and what to check before moving it.
The Benefits You Might Be Missing in Midlife
Plenty of people in their forties and fifties assume support is not for them. Often they are right. Sometimes they are leaving real help unclaimed. Here is where to look.
Opinion · Career change
You Don't Need a Midlife Reinvention. You Need a Better Tuesday.
Priya Castellane Career Change Writer
The culture sells the dramatic pivot. Most of us would be better served by fixing the ordinary week we already have, and deciding about the big leap from there.
Benefits
What you may be entitled to in your forties and fifties, how means tests and claims work, and where to get proper advice before you apply.
See all Benefits stories
How to Use a Health Spending Account in Canada in Your 40s and 50s
Many Canadian workers leave part of their health spending account unused every year. Here is what it covers in midlife and how to claim all of it.
Career change
Retraining, switching sectors, going part-time or freelance after 45, and changing course without wrecking the household finances.
See all Career change stories
How to Pay for Retraining at 45 Without Draining Savings
Tax credits, employer money and paid apprenticeships can cover more of a midlife career change than most people expect. Here is the order to try them in.
Retirement money
Catching up on pensions and retirement savings, and the numbers that matter most in your last two working decades.
See all Retirement money storiesThe Roth Catch-Up Rule at 50: What Changes for High Earners
If you are over 50 and earned more than $150,000 last year, your extra 401(k) savings now go in after tax. Here is what that costs and what to check.
- Money 7 Oct Set Your 2027 401(k) Contribution in Your 40s Renee Calloway · 7 min
- Pensions, decoded 1 Oct What Happens to Your Pension When You Change Careers Tobias Wren · 4 min
- Retirement, decoded 21 Sep "Behind" on Retirement at 45? What That Actually Means, and What Still Works Tobias Wren · 5 min
Renting at 45+
Renting in midlife: tenancies, deposits, affordability checks and planning for a secure home without a mortgage.
See all Renting at 45+ stories
Ontario Rent Increase Guideline 2027: What Renters Over 45 Should Check
The cap on most Ontario rent increases drops to 1.9% next year. Here is how to tell whether your unit is covered and what to do with a notice that looks wrong.
Deep dive · 01 / Benefits
The Benefits You Might Be Missing in Midlife
Plenty of people in their forties and fifties assume support is not for them. Often they are right. Sometimes they are leaving real help unclaimed. Here is where to look.
- 01 Why midlife claims get missed
- 02 Support that isn't means-tested
- 03 If you care for someone
- 04 Help with everyday costs
- 05 How to check properly
Authors
The people behind Simply Forties
Across midlife
- Benefits 5 stories How to Use a Health Spending Account in Canada in Your 40s and 50s
- Career change 4 stories How to Pay for Retraining at 45 Without Draining Savings
- Retirement money 5 stories The Roth Catch-Up Rule at 50: What Changes for High Earners
- Renting at 45+ 4 stories Ontario Rent Increase Guideline 2027: What Renters Over 45 Should Check
Earlier on Simply Forties
- The Roth Catch-Up Rule at 50: What Changes for High Earners 03 / Retirement money
- How to Pay for Retraining at 45 Without Draining Savings 02 / Career change
- Ontario Rent Increase Guideline 2027: What Renters Over 45 Should Check 04 / Renting at 45+
- How to Use a Health Spending Account in Canada in Your 40s and 50s 01 / Benefits
- 2027 HSA Limits: What Changes in Your 40s and 50s 01 / Benefits
- Set Your 2027 401(k) Contribution in Your 40s 03 / Retirement money
- Renting at 45, Eyes Open 04 / Renting at 45+
- Retraining at 45: Test a New Career Before You Leap 02 / Career change
- How to Pass a Rental Affordability Check in Midlife 04 / Renting at 45+
- What Happens to Your Pension When You Change Careers 03 / Retirement money
- The Benefits You Might Be Missing in Midlife 01 / Benefits
- You Don't Need a Midlife Reinvention. You Need a Better Tuesday. 02 / Career change
Page 1 of 2