Author: Neil Gulino

Roth Conversion Strategies for Mid-Career Workers: What to Know Before You Convert

If you’re in your 50s, a Roth conversion can look like the rare financial move that actually gives you more control instead of less. That’s the appeal. You pay tax now, move money from a traditional IRA or 401(k) into a Roth account, and buy yourself tax-free withdrawals later. Clean, simple, done. Except it isn’t…
What AI Agents Actually Do to Sales, Procurement, and Operations Roles

You spent years getting good at the parts of work that don’t fit neatly on a checklist: spotting the shaky prospect, catching the supplier issue before it turns into a budget fire, noticing the process break that ruins a customer handoff three departments later. Now software vendors keep announcing “agents” like they invented judgment in…
What the SECURE 2.0 Act Changed About Retirement Planning in 2026

Retirement rules used to change slowly enough that a normal person could ignore them for a few years and still catch up over coffee on a Saturday morning. SECURE 2.0 ruined that arrangement. The SECURE 2.0 retirement changes 2026 workers need to care about affect how much can go into a plan, whether catch-up money…
What Your Company’s AI Policy Reveals About Your Job Security

Most people don’t read the company AI policy until something feels off. A hiring freeze shows up. A new productivity dashboard appears. Leadership starts talking about efficiency with the kind of forced calm usually reserved for airplane turbulence. That’s usually the moment people realize the policy was never just about software. It was about power.…
How to Find Fractional and Interim Roles After 50 (No Startup Required)

If you’re over 50 and the full-time job market has started acting like experience is a liability, that isn’t your imagination. It’s the market telling on itself. Finding fractional roles and interim work after 50 can be a smarter move than trying to squeeze yourself back into a hiring funnel that was built for keyword…
How AI Is Changing the Way Companies Decide Who Gets Promoted

If you’ve spent 20 or 30 years getting good at your job, the old promotion formula probably made intuitive sense. Do strong work. Be reliable. Hit the numbers. Keep the team from catching fire. Then hope somebody senior notices before the next reorg slides through like a tax audit with better branding. That formula is…
Fiverr for Consultants: How to Sell Strategy and Advice, Not Data Entry

If you spent 25 years getting good at operations, marketing, brand work, or business strategy, the last thing you should do is show up on Fiverr pretending to be a bargain-bin assistant. Fiverr strategy consulting services exist for exactly the opposite reason. They let experienced professionals sell judgment, direction, and decision-making instead of charging by…
Side Income Options That Respect Your Full-Time Job (No Content Creation Required)

Most side-hustle advice now sounds like it was written by someone who thinks everybody wants to become a minor internet celebrity. Start a channel. Post every day. Build an audience. Monetize later. That works for some people. It’s a rotten fit for a lot of adults trying to find side income without content creation while…
The AI Impact on Freelance Income: What Gig Workers Need to Know

Freelancers are getting the AI memo faster than almost anyone else because they don’t have the luxury of pretending the market will stay polite. If a client can replace a $500 task with a chatbot subscription and an intern, they usually will. That doesn’t mean freelance work is finished. It does mean the AI impact…
My Letter Had Two Endings. I’d Been Living in the Wrong One.

A while back I sat down and wrote a letter to the people I love. It was about artificial intelligence. About AGI, specifically — the kind of machine intelligence that doesn’t just help you write an email but can do most of the cognitive work a person can do. I’d been cornering my family at…