Name the starting point
Gather current balances, contribution rates, available account information, match rules, horizon, and the assumptions that still need checking.
In development
Retirement From Here
A Savings Plan for Your 40s and 50s—with Contribution and Scenario Spreadsheets
Compare later-start scenarios, map contribution timing, and reset after change.
Replace a vague late-start worry with explicit assumptions, contribution choices, and a review rhythm.
For the reader beginning later than planned, returning after a gap, or trying to understand what a higher contribution, employer match, different timing, or setback could change.
Decisions this project is designed to support
Compare scenarios without calling them forecasts
Change one contribution or planning assumption at a time and see which choices meaningfully affect the hypothetical result.
Put contributions on a calendar
Translate an annual intention into dated contributions and checkpoints that fit the way income actually arrives.
Reset without hiding the gap
Compare plan with reality, record what changed, and choose a next adjustment instead of silently carrying an obsolete scenario.
Companion resources
Retirement Catch-Up Scenario Planner
Compare future and current purchasing power, contributions and hypothetical growth; translate an optional future-dollar marker by horizon.
Contribution & Employer-Match Planner
Separate personal limits from current-plan matching, then close payroll and IRA cash costs within the same calendar period.
Retirement Progress & Reset Tracker
Preserve the frozen plan, review actual contributions and compare reset options with dependency-specific missing-data states.
In development: This book is in development. Its title, subtitle, authors, and cover identify this edition; no Kindle listing, price, or release date is being announced. Three companion tools are available now.
What this work cannot decide
The book cannot predict returns, choose an account or investment, interpret a plan or tax rule, or guarantee retirement readiness. Confirm current employer, account, tax, and legal information with qualified sources.