{"product_id":"retirement-catch-up","title":"Retirement Catch-Up","description":"\u003ch3\u003eBehind is not a verdict. It's a number with a cause.\u003c\/h3\u003e\n\u003cp\u003eYou typed some version of it into a search bar — how much should I have saved for retirement at 55 — and the answer came back in under a second: a multiple of your salary, or a round million dollars. You read it, did the subtraction, and stopped.\u003c\/p\u003e\n\u003cp\u003eA six-figure shortfall is not a plan. A monthly number is. This book works out what you're actually short, prices every lever on its own, then closes on a one-page sheet.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eWhat your savings actually produce a month — and what they don't.\u003c\/li\u003e\n\u003cli\u003eWhy a later claiming date isn't free, and when it still wins.\u003c\/li\u003e\n\u003cli\u003eThe health insurance bridge between your last paycheck and 65.\u003c\/li\u003e\n\u003cli\u003eHousing as the biggest lever, and its two separate effects.\u003c\/li\u003e\n\u003cli\u003eFive households worked end to end, every change priced.\u003c\/li\u003e\n\u003cli\u003eThe one-page plan Chapter 19 closes on, shown filled in.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e\u003cstrong\u003eQuestions people ask\u003c\/strong\u003e\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eWho is this book for?\u003c\/strong\u003e \u003cbr\u003eSomeone in their fifties, still earning, who has looked at a retirement benchmark and at their own balance and found the distance between them frightening. It assumes you are working, that you have some runway left, and that nobody is coming with a windfall. It does not assume a spouse, a pension, or a particular household shape — five different households are worked through in Chapter 14, and one of them is a widow, one is divorced, one is a couple, and one is self-employed.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eI'm 57 with far less saved than the benchmark says. Is it too late?\u003c\/strong\u003e \u003cbr\u003eThe honest answer is that you cannot save your way out of this in five years, and the book says so on the back cover. What you can change is what those five years have to fund. The retirement date, the claiming date, the coverage you buy before 65, the mortgage, the recurring costs and the accounts you stopped looking at all move the same monthly number, and several moderate changes together move it further than any single heroic one. None of the five plans in Chapter 14 reaches zero. Every one of them ends up somewhere better than it started.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eDoes it tell me what to invest in?\u003c\/strong\u003e \u003cbr\u003eNo, and that is deliberate. Every illustration in the book assumes zero growth, because a plan that needs a particular return in order to work is a plan resting on the one assumption you do not control. Chapter 17 is specifically about what not to do when the numbers create urgency — reaching for return, buying a guarantee without pricing it, and the other moves that look like catching up and are not. The book prices what you can move and hands the investment question to someone licensed to answer it.\u003cbr\u003e\u003cmeta charset=\"utf-8\"\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003ePaperback Book · 204 pages\u003cbr\u003e\u003c\/em\u003e\u003cem\u003eEducational information only — not legal, financial, medical, or tax advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"Retirement In Order","offers":[{"title":"Default Title","offer_id":44487723483239,"sku":"pmzqkn","price":26.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0680\/7312\/8039\/files\/retirement-catch-up-thumb.png?v=1788448763","url":"https:\/\/shop.retirementinorder.com\/products\/retirement-catch-up","provider":"Retirement In Order","version":"1.0","type":"link"}