I am hardly an expert in this, and there's already been good advice given, but I want to warn you to be very sure to have your computer well backed up before trying to upgrade to Catalina. I chose to upgrade from Mojave on my one-year-old MacBook Pro; there was the usual alert that the computer would turn off, but it turned out to have turned itself off permanently. No amount of AppleCare help could get a flicker out of it. I had to send the laptop in, and got it back with a new logic board (and keyboard assembly, since I was already having keyboard problems before this untimely death). The repaired machine was wiped clean; Migration assistant did nothing (apparently because the Carbon Copy Clone backup and the laptop had different OS's? I didn't understand this), In addition to reinstalling all apps from new downloads, I had numerous problems restoring libraries-- the Photos app and Mail and I think some other things, from my backup. I tried to read a little about reasons to or not to upgrade to Catalina before starting it, but I did not do a good job, or I would have stayed away. Apparently if your computer has a T2 chip as mine does, there is a chance that upgrading to Catalina will brick the thing.