{ "item_title" : "Money Rules for Late Starters", "item_author" : [" Sawan Kumar "], "item_description" : "You're not behind. You're compressed. Every retirement chart is about someone else's twenty-year head start. If you're 45, 50, or later with $12,000 saved instead of $500,000, you already know that. What you don't know is what your actual twenty years produces - and the honest answer is far more than despair says. A 47-year-old routing $2,000/mo into the machine at 7% gets to $984,000 by 67. Call it a million. This book is not encouragement. Encouragement is what has failed you. This is a Chartered Accountant's plan: worked math, catch-up provisions most late starters don't know exist, and the Bridge Decade (60-70) sequence that stretches a modest pot much further than the calculators predict. Inside the BASELINE System for late starters: * The Honest Number - end the avoidance in one chapter* Two Baselines - True Baseline now, Landing Baseline at 67 (the gap IS the plan)* The Compressed Advantage - the honest 20-year math, stated flatly* The Catch-Up Wall - the age-50+ contribution space you're leaving on the table* The Compression Route - 25-40% savings rates are realistic at peak income* The Great Downshift - redirect $1,500-$3,000/mo of disappearing obligations into the plan before lifestyle absorbs it* The Bridge Decade - Social Security timing, part-time income, the sequence math* The Never-List - what a late starter must never do (framed, on the wall) Meet Dan (47, divorced, $38K saved), Rosa (52, nurse, $61K, last kid graduating), and Victor (58, business closed, $12K). Their plans work. So does yours. If you've been avoiding retirement calculators because the output hurts - start here.", "item_img_path" : "https://covers4.booksamillion.com/covers/bam/9/79/819/152/9798191524559_b.jpg", "price_data" : { "retail_price" : "15.99", "online_price" : "15.99", "our_price" : "15.99", "club_price" : "15.99", "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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