Verified against primary sources: Social Security Administration, IRS, Medicare. Dated, linked, and logged.
Independent research for retirement’s biggest decisions
You only retire once.
Money After Work is an independent research publisher for retirement’s biggest decisions. We build the cases, run the models, publish every source, log every correction, and stress-test every verdict. No products sold on commission, no individual advice — we show the work; you decide.
Start where you are
The six decisions
Every retirement runs through the same six decisions. Pick the one in front of you.
Decision 01
When to claim Social Security
62, 67, or 70 — the difference is permanent.
Decision 02
Can I retire?
What the balance actually buys, stress-tested.
Decision 03
What can we spend?
The $667 question: the margin that decides everything.
Decision 04
Healthcare before and after 65
The bridge years, Medicare's real layers, and the enrollment trap.
Decision 05
The house and the mortgage
Payoff, keep, or borrow — and why we never count the house as income.
Decision 06
When one spouse dies
The analysis almost nobody runs. We're building it in public.
How every case works
The method
Everything we can't verify is labeled, visible, and adjustable. No hidden inputs.
Numbers come from a deterministic model, not opinion. Same inputs, same answer, every time.
A conditional conclusion with its conditions attached — and the conditions that would reverse it.
The full standard — sources policy, corrections log, error bounty — is public: /method.
New on the record
Latest from the research
The LedgerJuly 2026
The $667 Rule
The margin that decides retirement isn't the balance. It's $667 a month.
The LedgerJuly 2026
2026 Medicare Part B: the new numbers and what they do to an early retirement
Part B is $202.90 a month per person in 2026 — and it is one of four layers.
The LedgerJuly 2026
Why we publish our revenue rules before we have revenue
The rules should exist before the temptations do.
Would your plan survive a bad first five years?
The Retirement Stress Test is free. Your numbers, three claiming strategies, one honest answer.
Why believe us
Trust, shown in public
Every receipt, published.
Each episode ships with its source ledger, model assumptions, and scenario outputs. You can check our math — we want you to.
Corrections, logged.
When we get something wrong, the correction is public and permanent. We pay $50 for the first report of any verified factual error.
No advice, ever.
We publish education and models. We never tell you what to do, and we never contact viewers privately. Anyone doing so in our name is an impersonator.
Revenue rules, published first.
We wrote the rules for how this company earns money before it earned any. Read them.
The Saturday Ledger
One short letter, Saturday mornings.
One number, one case, one claim graded FACT or ASSUMPTION, and everything we corrected. Free.