If you're in your 40s and feel behind on your investment goals, you're not alone. The journey through your 20s and 30s often involves significant expenses like student loan repayment, homeownership and raising a family, all of which can make consistent saving challenging. It’s easy to feel overwhelmed or even experience a sense of panic when you compare your savings to general guidelines.

But the truth is that it’s not too late for catch-up investing in your 40s. It’s a powerful decade where increased earning potential, coupled with additional discipline, can dramatically accelerate your savings and build significant wealth for retirement

The biggest mistake you can make now is to fall into paralysis by analysis or give up. This isn't about optimizing every dollar; it's about taking deci

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