late starters fire
Who Earns Financial Independence First 30 or 40?
Answer: A 30-year-old who starts saving early typically reaches financial independence before a 40-year-old, but a disciplined 40-year-old can narrow the gap dramatically by maximizing employer-matched contributions and letting nine years of compound growth work backwards. 2024 sees more 40-year-olds tapping employer matches to accelerate FIRE, turning what used to