Librería Samer Atenea
Kálamo Books
Librería Elías (Asturias)
Librería Kolima (Madrid)
Librería Proteo (Málaga)
Started saving late? Here’s the honest, step-by-step plan to catch up and build real retirement wealth in your 40s, 50s, and beyond.If you’re in your forties, fifties, or beyond and feel like you’re behind on retirement, you’re not alone - and you’re not out of options. The Late Starter’s Wealth Plan is a direct, no-nonsense guide built specifically for career-changers, midlife savers, and anyone who didn’t start investing early but is ready to take it seriously now.Instead of one generic plan, this book gives you three distinct, time-boxed catch-up strategies - a 5-year sprint, a 10-year rebuild, and a 15-year foundation plan - so you can follow the one that actually matches how much time you have left before retirement. Every chapter is built around a simple idea: the right moves depend on your real timeline, not a one-size-fits-all formula.What’s inside:- An honest, step-by-step framework for assessing where you actually stand today- How catch-up contribution rules for 401(k)s, IRAs, and HSAs work for savers 50 and older- Three complete time-horizon plans: 5-year sprint, 10-year rebuild, and 15-year foundation- How to optimize your 401(k): employer match, fees, and fund selection- Traditional vs. Roth IRA strategy, spousal IRAs, and backdoor Roth conversions explained clearly- How to build a diversified portfolio suited to a compressed timeline- Managing risk as retirement approaches, including sequence-of-returns risk and glide paths- Non-portfolio levers that matter just as much: debt, housing, healthcare, and Social Security timing- A complete Catch-Up Plan Checklist, annual review worksheet, FAQ, and red-flags-to-watch-for appendix to keep you on track for years to come
