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Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.\nEpisode 2911:\nWilliam 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.\nRead along with the original article(s) here: https://www.getrichslowly.org/starting-to-save-for-retirement-at-40/\nQuotes to ponder:\n"It\u2019s never too late to start, but the later you begin, the harder the work."\n"Life isn\u2019t always kind nor is it predictable but we don\u2019t have to make it harder for someone else."\n"If you\u2019re getting a late start, you\u2019re likely going to need to make a dramatic change to catch up."\nEpisode references:\nCatching Up to FI: https://www.catchinguptofi.com\nLearn more about your ad choices. Visit megaphone.fm/adchoices