Start Late, Finish Rich
by David Bach
Bach for people in their forties and fifties with little saved: increase savings rate sharply, catch-up contributions, reduce the biggest expenses, earn more through side income or real estate, and plan to work longer and more enjoyably. It is encouraging without pretending the math is easy.
Read it if…
you are behind on retirement and need a plan rather than shame.
Skip it if…
you are young; the book is calibrated for late starters.
Three things you will actually use
- It is late, not too late; the math still works with discipline.
- Cut the big things: housing, cars, debt.
- Add income; saving alone may not close the gap.
Do this first
Raise your retirement contribution by three percent today and set a reminder to raise it again in six months.
Our verdict
Encouraging and realistic.
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