3412: Older and Don’t Have a Retirement Plan? Do This by Christina Browning of Our Rich Journey on Future Savings

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily LLC

Business, Education, Investing, Self-improvement

4.5 • 1.3K Ratings

🗓️ 5 January 2026

⏱️ 13 minutes

🔗️ Recording | iTunes | RSS

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Summary

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3412: Christina Browning offers a realistic yet hopeful roadmap for those in their 40s, 50s, or 60s who haven’t started saving for retirement. By focusing on smart budgeting, strategic investing, income awareness, and practical lifestyle changes, she shows how late starters can still build financial security and achieve retirement peace of mind. Read along with the original article(s) here: https://www.ourrichjourney.com/post/older-and-dont-have-a-retirement-plan-do-this Quotes to ponder: "You can’t borrow or get a loan for your retirement, but your children can for their education." "When you’re dealing with retirement accounts when you’re older, age is actually an advantage for you." "Remain hopeful about your situation because financial independence is possible even when you’re starting late!" Episode references: Social Security Administration: https://www.ssa.gov Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Why do growing businesses love working in Slack?
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0:18.3	Take us on home, Ashley from Carraway.
0:20.2	If we did have Slack tomorrow,
0:22.2	I would explode. Well, let's not let that happen. Visit Slack.com slash podcast to get 50%
0:27.7	of Slack Business Plus. This is Optimal Finance Daily. Older and don't have a retirement plan,
0:35.4	do this by Christina Browning of Our RichJourney.com.
0:40.7	What do you do when you're nearing retirement but don't have a retirement plan in place?
0:45.9	This is a question we get all the time. It's a scary prospect and a lot of older people are in
0:51.3	this situation. So today I'm going to cover everything that you need
0:55.2	to do to prepare for your retirement when you're in your 40s, 50s, or 60s, or even older, and
1:01.6	haven't saved anything or barely anything for retirement. Following these tips will help you feel
1:07.4	more secure as you approach those golden years.
1:13.6	Number one, how much do you need to retire?
1:16.9	This is the first question you need to answer.
	...

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