Compound Late

Compound Late is the math on the decisions that decide your last ten years before retirement — written for people who got serious in their 40s, 50s, or 60s and want the actual numbers, not the panic version.

Every video walks one specific retirement-math question. Catch-up contribution math. Social Security claiming math. Medicare-HSA edge cases. Roth conversion timing. Sourced to IRS, SSA, and Treasury publications. Calm tone, honest assumptions, no hype.

The channel is researched and edited by Diane Hayes. The two-host conversational audio is produced using Google's NotebookLM, a generative-AI tool that turns research notes into a host conversation — disclosed here for transparency. Every video starts as original research, goes through fact-checking, and ships only when the math has been verified.

Educational content, not financial advice. Consult a qualified professional for your situation.

— Diane @ Compound Late