{ "item_title" : "It's not to late", "item_author" : [" CD Mac "], "item_description" : "You're 58. You've got $12,000 saved. Retirement feels like a countdown to disaster. You're not alone - and you're not too late. Millions of Americans are hitting their late 50s and early 60s with little to nothing saved for retirement. Most retirement books weren't written for you. They assume you started saving at 25, max out a 401(k) every year, and just need to optimize. That's not your situation, and pretending otherwise doesn't help. It's Not Too Late, is a real, honest, step-by-step plan for the next five years - built for people who are still working, still scared, and still have time to change the outcome. Inside, you'll learn: - How to run a judgment-free audit of exactly where you stand financially- Why your Social Security claiming decision is the single biggest lever you can pull - and how to get it right- What catch-up retirement contributions actually mean, including the new age 60-63 super catch-up rule- The three expense categories where real savings hide (hint: it's not your coffee habit)- How even two or three more working years can completely change your retirement math- Whether downsizing makes sense for you - and how to do it without feeling like you failed- The healthcare coverage gap almost nobody plans for before Medicare kicks in No shame. No jargon. No pretending you have 30 years to fix this. Just a clear, realistic plan to build the best retirement you can with the time you actually have left. It's not too late to start. Turn the page and start today.", "item_img_path" : "https://covers1.booksamillion.com/covers/bam/9/79/819/213/9798192133804_b.jpg", "price_data" : { "retail_price" : "9.99", "online_price" : "9.99", "our_price" : "9.99", "club_price" : "9.99", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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