06/23/2026
Starting at 40 and ending up in the same place?
Most people assume that if you did not start saving for retirement in your 20s, you are permanently behind. But a closer look at the numbers challenges that assumption.
The decade between 40 and 60 tends to bring higher income, lower household expenses, and more financial flexibility than earlier career stages. The problem is that extra breathing room often disappears into lifestyle upgrades rather than retirement accounts.
With the right savings rate and a strategy that takes advantage of catch-up contribution rules at 50, a late starter can potentially arrive at the same destination as someone who began 15 years earlier. The path looks different, but the outcome does not have to.
Watch to see the specific numbers behind this comparison and what it might mean for your own retirement timeline.
All content presented is for educational purposes only and should not be construed as a solicitation or offer to sell securities or provide investment, tax, or legal advice. All examples are hypothetical, for illustrative purposes only, and are merely arithmetic calculations. They are not representative of the performance of any type of investment, security, or strategy offered by the firm. Past performance is not indicative of future results. Investing involves risk, including the potential loss of principal. Hypothetical returns do not reflect actual trading and may not be indicative of the performance of any specific investment. They are based on assumptions and estimates that may not be accurate or applicable to your individual situation. Always consult with a qualified financial advisor before making any investment decisions.
Additional information, including management fees and expenses, is provided on our Form ADV Part 2 available upon request or at the SEC's Investment Adviser Public Disclosure website, www.adviserinfo.sec.gov.
Foundation Wealth Partners is a financial advisor serving Gen X and older Millennials in their 40s to mid-50s.
