How to update high Sierra to Catalina

Back up your data, check your applications for compatibility, and if your Mac is a 2012 or newer model, or a 2010 desktop Mac Pro upgraded with a Metal-capable graphics card, download Mojave, Catalina, or Big Sur. Alternatively, use the Online version of TurboTax in your web browser.

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If my MacBook Pro is mid 2010 is Mojave/Catalina inaccessible and I'm essentially tapped out on OS upgrades at High Sierra 10.13.6

Yes.

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