Author: Neil Gulino

Catch-Up Contributions at 50: What Changed in 2026 and How to Use Them

If you’re close to retirement and still playing catch-up, 2026 isn’t a cosmetic update. The catch-up contributions 50 2026 limits are higher, the rules are weirder, and one group of higher earners now has to use Roth money whether they like it or not. Retirement math was already annoying. Now it has a compliance department.…
Industries That Actually Value Experience Over Credentials in 2026

If you’re in your 50s and job listings still read like a college admissions brochure, the obvious conclusion is that the game is rigged for younger people with fresher diplomas. Partly true. Also incomplete. Some industries value experience not credentials 2026-style because employers are finally admitting what most workers already knew: a degree is a…
The Social Security Timing Decision: What Late-Career Workers Need to Know Before Claiming

Social Security claiming timing late career is one of those decisions that looks simple from far away and turns into retirement math with a trapdoor the minute you get close. File at 62 and the checks start sooner. Wait until 70 and the checks get much bigger. In between sits a messy real-life question: how…
What to Do With Your 401(k) When You Change Jobs After 50

Changing jobs after 50 comes with a weird administrative side quest nobody asked for. One day you’re cleaning out a desk or setting up a new laptop. The next day you’re staring at an old 401(k), four competing options, and a pile of rollover jargon that sounds like it was written by a committee that…
What Middle Managers Need to Know About AI Before Their Teams Do

If you’re a middle manager, the weird part about AI isn’t the technology. It’s the social timing. The people above you are asking strategic questions they barely understand, and the people below you may already be using the tools quietly because they don’t need permission to shave 40 minutes off a report. That’s why AI…
Wordable Review: Is Content Publishing Automation Worth the Investment?

If you’re publishing from Google Docs and still spending part of every week fixing WordPress formatting, this Wordable review will probably feel uncomfortably familiar. Content publishing automation sounds like a fancy way to avoid boring cleanup work. That’s because it is. And for anyone pushing out articles regularly, boring cleanup work has a nasty habit…
A Boy and His Bot: What I Learned Building with AI

I need to tell you about my relationship with an artificial intelligence. It’s complicated. Not complicated in the way people use that word on social media. Complicated in the way that any relationship is complicated when one party is capable of genuine brilliance and the other party keeps forgetting it’s not a person. I’m the…
It’s Not a Warning Anymore: The AI Job Cuts Are Here

I started Durable Earnings with a simple premise: AI was going to change the math on millions of careers, and most people wouldn’t see it coming until after it arrived. I wanted to be wrong about the speed. I wasn’t. On May 20th, Meta cut 8,000 jobs and forcibly reassigned another 7,000 employees into AI-focused…
Morningstar’s Portfolio Risk Analyzer: A Guide for Retirees

Retirement portfolio advice gets fuzzy right when it needs to get specific. “Stay diversified” sounds responsible until you’re five years from retirement, taking withdrawals, and trying to figure out whether your actual holdings are built to survive a bad sequence of returns instead of just looking respectable on a pie chart. That’s why Morningstar’s Portfolio…
Portfolio Careers: How to Combine Multiple Income Streams After 50

A lot of experienced professionals are staring at the same ugly math. One paycheck used to feel solid. Now it feels like a single point of failure wearing business casual. That doesn’t mean the answer is to become a hustling internet goblin with six apps open and a ring light in the spare bedroom. It…