Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2911: William Cowie explains how, even starting at 40, you can build a secure retirement by working harder and considering less passive investments like real estate. His advice includes serious budgeting, debt elimination, and potentially taking on a second job to catch up. While it won't be easy, Cowie emphasizes that there is always hope and a path to financial independence, no matter when you begin. Read along with the original article(s) here: https://www.getrichslowly.org/starting-to-save-for-retirement-at-40/ Quotes to ponder: "It’s never too late to start, but the later you begin, the harder the work." "Life isn’t always kind nor is it predictable but we don’t have to make it harder for someone else." "If you’re getting a late start, you’re likely going to need to make a dramatic change to catch up." Episode references: Catching Up to FI: https://www.catchinguptofi.com Learn more about your ad choices. Visit megaphone.fm/adchoices