Investing for a 64-Year-Old
At age 64, the enhanced SECURE 2.0 catch-up ends and the standard catch-up of $7,500 resumes. The Medicare Initial Enrollment Period begins three months before your 65th birthday: if you miss it and lack qualifying employer coverage, Part B premiums rise 10% for every 12-month period you delay. If you have an HSA, you must stop contributing when you enroll in Medicare Part A or B; coordinate the timing carefully. Run a Social Security break-even analysis and decide whether to claim at 65, 66, 67, or delay further.