How do you reach financial independence when you’re a late starter and don’t have everything figured out in your 20s, 30s, or even your 40s? Bill Yount and Jackie Cummings Koski, hosts of the Catching up to FI podcast, have made it their mission to help you make up for lost time, and they’re sharing their secrets in this episode. Their action steps to reach financial independence as a late starter is all about the kiss method - keep it simple by starting to invest and save money, and stay simple - you don’t need to take on much more risk in your portfolio or create a complicated investing strategy. You need to start somewhere. Throughout both Bill and Jackie’s financial independence journey, they both agree that you can’t overlook the mental, psychological, and emotional part of your journey - working through shame, fear, your money story, and spending time processing those emotions so you can create a different future is key. In this episode, you’ll learn about the steps Bill and Jackie took individually to reach financial independence late in life, what advice they wish they had known earlier, and the steps you need to take to fast-track your financial independence journey. LINKS Catching Up to FI podcast Die with Zero book CONNECT WITH SHANNAH Thank you for being a part of our community! We couldn't do it without you.  Sign up for my signature course, Unf*ck Your Money https://www.etmlearn.com/unfck-your-money  Freebie - 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Sign up for Financial Coaching with Shannah https://etmpod.link/coach   To support the show, please subscribe or share the word about this show in your circles. Sign up for our newsletter  Follow me on Instagram  Leave a 5-star Review here https://ratethispodcast.com/etm.  Subscribe to our YouTube Channel https://www.youtube.com/@EveryonesTalkinMoney SPONSORS Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/  Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Thanks to DelelteMe for sponsoring the show. Today get 20% off your DeleteMe plan when you go to www.JoinDeleteMe.com/ETM and use promo code ETM at checkout.  Learn more about your ad choices. Visit megaphone.fm/adchoices