The Late Starter's Guide to Financial Independence
By Tim Wells
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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?"
You're not alone. And it's not too late.
From Financial Panic to Freedom in 12 Years
Tim Wells experienced that same panic at 45. Despite a successful tech career, his finances were moving backward.
Using his "Red Zone to Green Zone" system, he achieved complete financial independence at 57.
Now he helps other late starters do the same.
Is This For You?
This book and these programs are specifically for:
* Ages 35-60 who feel behind financially despite good incomes
* The "sandwich generation" caring for both parents and children
* Late starters navigating divorce, caregiving, or health crises
* Anyone carrying shame about their financial situation
* People wondering if financial freedom is still possible
If you're tired of financial advice written for 25-year-olds, you're in the right place.
Choose Your Starting Point
FREE: The Late Starter Foundation Toolkit
7 essential tools to jumpstart your transformation—including the Gap Calculator, ABC Priority System, and Red Zone Assessment.
Perfect for: Getting started immediately
SELF-GUIDED: The Book
The complete Red Zone to Green Zone framework with practical strategies and emotional healing for achieving financial independence after 40.
Perfect for: Self-directed learners who want the full roadmap.
Private VIP Mentoring
Perfect for: Those preferring customized mentoring & accountability
Individual Mentoring at an hourly rate (Limited availability)
What You'll Get:
One-on-one virtual sessions tailored to your situation (typically 30-60 min weekly)
Personalized financial analysis using the Red-to-Green Framework
Custom action plans between sessions addressing YOUR unique challenges
Accountability check-ins between sessions (frequency and format tailored to you)
Direct email access for questions between calls
Complete confidentiality
Why Late Starters Actually Have Advantages
Most financial independence books assume you started in your 20s. This approach is different:
✓ Specifically for ages 35-60+ with compressed timelines
✓ Addresses shame, fear, and emotional barriers around money
✓ Covers real midlife complexity: divorce, caregiving, health crises
✓ Practical strategies from someone who's been exactly where you are
If Dave Ramsey's Total Money Makeover met JL Collins' The Simple Path to Wealth, this would be the result—but specifically for late starters.
Social Proof
"A practical, compassionate, and energizing blueprint for anyone who thinks they've started too late."
— Sam Dogen, Financial Samurai
Not Sure Where To Start?
Quick Guide:
Just discovering you're behind? → Free Toolkit
Want the complete framework? → The Book
Ready for accountability & support? → Private VIP Mentoring
Start Catching Up Today
Your current financial situation is not your destiny—it's only your starting point.
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