Bill Yount and Jackie Cummings-Koski, co-hosts of the 'Catching Up to FI' podcast, share their inspiring journeys to financial independence, even after starting late. They present a practical four-step framework for anyone to begin saving for retirement, emphasizing that it’s never too late to plan. They discuss the importance of mindset shifts and proactive strategies, breaking down financial isolation through community support. With insights on budgeting techniques and personal finance tools, they're here to prove that financial freedom is attainable regardless of your starting point.

Jackie Cummings Koski is a certified financial planner and author of "F.I.R.E. For Dummies," dedicated to helping late starters on their financial independence journeys. She shares her inspiring story of overcoming a challenging upbringing and navigating financial hurdles, including divorce. Jackie emphasizes the power of financial education, discusses the benefits of Health Savings Accounts, and highlights strategies for achieving financial independence. Her mission is to empower others, proving it's never too late to start on the path to financial freedom.

Guest Jackie Cummings Koski retired 15 years early on an average salary, raising her daughter solo and hitting a million-dollar net worth without a big paycheck or investing experience. She shares tips on reaching financial independence without advantages, the basics of stock investing, and the importance of diverse income streams. Jackie's journey from a low-income upbringing to breaking the cycle of poverty through financial literacy is a testament to the power of determination and smart financial decisions.