Turning 59½? Still working? You might be surprised by what you can do with that 401(k) you've been contributing to for years. And no, you don't have to retire first! So what's so magical about this age? Let's get into it.

Most people spend decades building a retirement account, but very few spend time thinking about how they'll actually live on it. Sometimes the most important retirement conversation starts with one simple question: "Cool...you've got money. Now what?"