3 steps to avoid a retirement disaster
Ever feel like you missed the retirement memo?
The one where everyone else saved millions while you were just trying to keep the lights on?
I’ve worked with countless people who thought they were too far behind to ever catch up.
But here’s the truth: It’s never too late.
That’s why I created the Sweet Spot Solution—a simple catch-up plan for people who feel like time (and their bank account) isn’t on their side.
Your Best Earning Years Are Still Ahead
Most people hit their highest earning years in their 40s, 50s, and 60s. That means you have more power right now to save and invest than you did in your 20s.
Even better? If your kids are grown and the mortgage is nearly paid off, you’re in the Sweet Spot—your golden window to turbocharge your savings.
Your Three Retirement Paths—Pick One
Not everyone’s retirement looks the same. You’ve got options:
✅ Retire now and adjust your lifestyle.
✅ Phase into retirement with part-time work or a passion project.
✅ Delay full retirement to build wealth faster and increase Social Security benefits.
The good news? You get to decide. The key is being intentional about which path gets you the freedom you want.
Your 3-Step Catch-Up Plan
- Max Out Contributions – Uncle Sam lets you stash more in 401(k)s and IRAs after 50. Take advantage.
- Track Your Money in Motion – Find the leaks. Fix them. Every dollar you redirect works for you.
- Increase Your Income – Ask for a raise, start a side hustle, or monetize a skill. Small income jumps add up big.
Your Next Move
✅ Start now. Even small tweaks today = big wins later.
✅ Shift your mindset. You’re not behind—you’re just getting started.
✅ Decide what you actually want.
Retirement isn’t about a magic number—it’s about freedom and purpose.
To Your Success,
Derrick
