Build or Prepare: choosing a track

The two tracks share the same engine and most lessons, with different examples, emphasis and a few track-only lessons.

• Build: more than 12 years from your target retirement age. Focus on habits, the match, account choices and compounding.
• Prepare: 12 or fewer years from retirement. Focus on catch-up contributions, Social Security timing, healthcare before Medicare, withdrawals and sequence risk.

We suggest a track when you sign up, from your age and target retirement age. Lessons about age-based rules (such as catch-up contributions from 50) appear for anyone old enough, on either track.

To switch, open Settings and change Course track. Your plan and your progress on shared lessons come with you. If you bought one track, the other track's lessons need the bundle or a separate enrollment.