"A practical, compassionate, and energizing blueprint for anyone who thinks they've started too late." Sam Dogen, Financial Samurai

Did you navigate career and family demands, health crises, and divorce in midlife, and now retirement seems like an impossible dream?

Or did you hit your 40s or 50s trying to catch up financially, but the jargon is confusing, the strategies assume advantages you never had, and you have no time to figure it all out?

Meanwhile, that nagging voice whispers, "Is this all there is? Will I work until I die?"

Tim Wells experienced that same panic at 45. Despite a successful tech career, his finances were moving backward. Creating and utilizing his "Red Zone to Green Zone" system, twelve years later, he achieved complete financial independence.

Tim understands the practical challenges of budgeting and saving money while juggling aging parents, caregiving responsibilities, and fear and shame surrounding retirement planning; all real-world obstacles to building wealth and achieving financial independence.

Inside, you'll learn how to:

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Utilize your late starter advantages

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Break free from financial paralysis when everything feels urgent

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Rebuild and thrive after major life transitions

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Launch children without sacrificing your retirement security

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Find your Superpower to accelerate wealth building

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Find advisors who truly serve your best interests

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Build a legacy of stability and freedom for your family

If Dave Ramsey's Total Money Makeover met JL Collins' The Simple Path to Wealth, The Late Starter's Guide to Financial Independence would be the result.

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• Business & InvestingPersonal Finance

• Publication Date: November 4, 2025
• Text-to-Speech: Disabled
• Lending: Disabled
• Print Length: 283 Pages
• File Size: 28 KB