What catch-up moves should I make in my 50s if I feel behind on savings?

Your 50s give you a powerful tool: catch-up contributions. The IRS lets people 50 and older add extra beyond the standard 401(k) and IRA limits each year, and SECURE 2.0 created an even larger 401(k) catch-up window for ages 60 to 63. Redirect any freed-up cash flow, such as after kids leave or a mortgage shrinks, straight into those accounts. Delay lifestyle upgrades and consider whether working a few extra years dramatically improves your outlook, since it adds savings, shortens the drawdown, and can boost Social Security. Pay down high-interest debt so it does not follow you into retirement. Get a clear read on your gap with the Retirement Readiness assessment at wealthserene.com/assessments/retirement-readiness before deciding how aggressive to be.