PLAN YOUR RETIREMENT EVEN IF YOU START LATE — A Practical Guide to Social Security, Saving and Key Decisions

Are you 45, 50 or 55 with little saved for retirement? You’re not alone, and it’s not too late. Decisions such as when to claim Social Security or how many more years to work can change your retirement income by thousands of dollars a year. This practical guide explains it all with updated 2026 figures.

You’ll learn:

• How to take an honest inventory of your situation
• How Social Security works and how to check your record for free
• When it pays to claim Social Security: at 62, 67 or 70
• How much you’ll need to live on and how to figure your “gap”
• How to save fast with a 401(k) and an IRA, including catch-up contributions from age 50
• What Medicare covers, when to enroll and how to avoid penalties
• How to handle housing, debt and part-time work
• How to protect yourself from scams and get your documents in order

With worked examples, checklists and official resources. 35 pages, PDF and EPUB.

This guide is for information only and is not financial, tax or legal advice.

Author: Juan Coss · Juan Coss Library