Money Rules for Late Starters: The Chartered Accountant's System for Building Real Wealth When You're Starting at 45, 50, or Later - Couverture souple

Kumar, Sawan

Couverture souple

ISBN 13 : 9798191524559

Editeur : Independently published, 2026

Synopsis

You're not behind. You're compressed.

Every retirement chart is about someone else's twenty-year head start. If you're 45, 50, or later with $12,000 saved instead of $500,000, you already know that. What you don't know is what your actual twenty years produces — and the honest answer is far more than despair says. A 47-year-old routing $2,000/mo into the machine at 7% gets to ~$984,000 by 67. Call it a million.

This book is not encouragement. Encouragement is what has failed you. This is a Chartered Accountant's plan: worked math, catch-up provisions most late starters don't know exist, and the Bridge Decade (60–70) sequence that stretches a modest pot much further than the calculators predict.

Inside the BASELINE System for late starters:
* The Honest Number — end the avoidance in one chapter
* Two Baselines — True Baseline now, Landing Baseline at 67 (the gap IS the plan)
* The Compressed Advantage — the honest 20-year math, stated flatly
* The Catch-Up Wall — the age-50+ contribution space you're leaving on the table
* The Compression Route — 25–40% savings rates are realistic at peak income
* The Great Downshift — redirect $1,500–$3,000/mo of disappearing obligations into the plan before lifestyle absorbs it
* The Bridge Decade — Social Security timing, part-time income, the sequence math
* The Never-List — what a late starter must never do (framed, on the wall)

Meet Dan (47, divorced, $38K saved), Rosa (52, nurse, $61K, last kid graduating), and Victor (58, business closed, $12K). Their plans work. So does yours.

If you've been avoiding retirement calculators because the output hurts — start here.

Détails de l'édition

• Éditeur: Independently published
• Date d'édition: 2026
• Langue: anglais
• ISBN 13: 9798191524559
• Reliure: Broché
• Nombre de pages: 203
• Coordonnées du fabricant: Manufactured by Amazon on behalf of the author; https://www.amazon.fr/hz/contact-us; ; c/o Amazon Media EU S.à.r.l., 38 Avenue John F. Kennedy; Luxembourg; L-1855; Luxembourg