The Late Starters Guide to Financial Independence

Overwhelmed by life in your peak earning years and now way behind financially? One man's battle-tested path from financial chaos to independence.

Does financial advice make you feel lost? The jargon is confusing, the strategies seem made for people who had advantages you never had, and you have no time to figure it all out. Meanwhile, that voice in your head asks, "Is this all there is? Will I work until I die?"

Tim Wells felt that same panic at 45. Despite working for decades, his net worth was actually lower after 10 years of marriage. Dealing with money shame, childhood wounds, and family crises, he made changes that led to complete financial independence by age 57.

This isn't another boring money book full of spreadsheets. It tackles the real emotional stuff that keeps you stuck.

You'll learn:

· How to stop feeling paralyzed when everything seems urgent

· Why starting late is actually your advantage

· How to fix your broken relationship with money

· How to find your unique strengths to speed things up

Stop believing you missed your chance. You'll finish knowing exactly how to go from financial overwhelm to a clear path forward.

"If you've ever looked at the FIRE movement and thought, 'That ship has sailed for me,' read this book. You'll walk away with hope, a plan, and the belief that you're not behind—you're right on time for your journey. The author provides a realistic path forward that acknowledges real-life responsibilities." – Sam Dogen, Financial Samurai

Ready to escape financial chaos? Get your copy today.

What they are saying about my book and my mentoring

Sam Dogen - The Financial Samurai

“If you’ve ever looked at the FIRE movement and thought, ‘That ship has sailed for me,’ read this book. You’ll walk away with hope, a plan, and the belief that you’re not behind—you’re right on time for your journey. The author provides a realistic path forward that acknowledges real-life responsibilities, while still showing how to make massive progress starting today.” – Sam Dogen, Financial Samurai

Michelle K., Elementary School Teacher

"Tim didn't just help me tackle my debt—he helped me believe I could actually win this fight."

"When I first reached out to Tim, I was drowning in $47,000 of credit card debt on a teacher's salary. I felt so ashamed that I'd hidden the statements from everyone, even my closest friends. Tim didn't judge me or make me feel stupid for the mess I'd created. Instead, he helped me see that my situation wasn't permanent—it was just my starting point.

His mentoring approach was completely different from anything I'd tried before. Rather than overwhelming me with complicated strategies, he broke everything down into simple, manageable steps.

Working with Tim wasn't just about numbers on a spreadsheet—it was about becoming someone who could take control of her financial life. The tools and confidence he gave me have completely transformed how I approach money. I'm not just debt-free now; I'm building the future I always wanted but never thought I could afford."

— Michelle K., Elementary School Teacher

Sam Dogen - The Financial Samurai

“A practical, compassionate, and energizing blueprint for anyone who thinks they’ve started too late. This book proves it’s never too late to reclaim your financial future. The advice is realistic, the tone is encouraging, and the steps are immediately actionable—perfect for someone juggling career, family, and the feeling that they’re behind.” – Sam Dogen, Financial Samurai