The Late Starter’s Guide to Financial Independence: A Mentor’s Hard-Earned Lessons on Finding Freedom and Creating a Legacy

Price: $14.99 - $6.59
(as of Dec 06, 2025 22:22:57 UTC – Details)

“A practical, compassionate, and energizing blueprint for anyone who thinks they’ve started too late.” Sam Dogen, Financial Samurai

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?”

Tim Wells experienced that same panic at 45. Despite a successful tech career, his finances were moving backward. Creating and utilizing his “Red Zone to Green Zone” system, twelve years later, he achieved complete financial independence.

Tim understands the practical challenges of budgeting and saving money while juggling aging parents, caregiving responsibilities, and fear and shame surrounding retirement planning; all real-world obstacles to building wealth and achieving financial independence.

Inside, you’ll learn how to:

Utilize your late starter advantages

Break free from financial paralysis when everything feels urgent

Rebuild and thrive after major life transitions

Launch children without sacrificing your retirement security

Find your Superpower to accelerate wealth building

Find advisors who truly serve your best interests

Build a legacy of stability and freedom for your family

If Dave Ramsey’s Total Money Makeover met JL Collins’ The Simple Path to Wealth, The Late Starter’s Guide to Financial Independence would be the result.

Start catching up today!

From the Publisher

What Makes This Book Different

The only book that meets late starters exactly where they are—with compassion, strategy, and a proven roadmap to financial freedom.

THE THREE-ZONE JOURNEY: FROM FINANCIAL CHAOS TO FREEDOM

WHAT READERS ARE DISCOVERING

“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, Founder of Financial Samurai, Wall Street Journal and USA TODAY National Bestselling Author

FROM MENTEES TRANSFORMED BY THIS APPROACH:

“This is exactly what I needed—someone who’s actually been through this and can show me the way forward.” — Financial Mentoring Client

“No one in my family ever talked about money except to worry about not having enough. Tim’s approach broke through the confusion and fear that kept me trapped in harmful financial cycles.”— Individual Coaching Client

BUILT ON A DECADE OF PROVEN RESULTS

Tim Wells has mentored individuals across three continents through formal programs including with Aspire (mentoring global leaders of women-focused nonprofits), workplace mentoring of junior professionals, and personal finance coaching. His unique combination of 37-year technology career, real estate investing experience, and pattern recognition abilities creates a mentoring approach that sees connections others miss—turning the “impossible” into the “inevitable.”

Feel like you are starting too late?

You’re right on time!

This book provides the roadmap. Readers can also access the Red-to-Green Transformation Toolkit with zone assessments, practical tools, and customized action plans.

ASIN ‏ : ‎ B0FSHBTQTR
Publisher ‏ : ‎ Back River Publishing
Accessibility ‏ : ‎ Learn more
Publication date ‏ : ‎ November 4, 2025
Language ‏ : ‎ English
File size ‏ : ‎ 2.8 MB
Screen Reader ‏ : ‎ Supported
Enhanced typesetting ‏ : ‎ Enabled
X-Ray ‏ : ‎ Not Enabled
Word Wise ‏ : ‎ Enabled
Print length ‏ : ‎ 283 pages
ISBN-13 ‏ : ‎ 979-8896947691
Page Flip ‏ : ‎ Enabled
Best Sellers Rank: #70,379 in Kindle Store (See Top 100 in Kindle Store) #4 in Financial Risk Management (Kindle Store) #6 in Budgeting #17 in Financial Risk Management (Books)
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