When you've made some mistakes in your past, how do you get back on track for financial independence? Is there ever a "too" late? Is financial independence out of reach for those of us who started late? Helping us answer those questions and more is special guest Gwen Mertz from the FireDrillPodcast.com. Also rounding out our contributors for today is Len Penzo, of LenPenzo.com fame, and our very own OG. And midway through the show we'll take a few minutes to stop and talk about seniors selling life insurance policies before they lapse. Know a senior struggling to pay to keep a life insurance policy in check...or worse yet, letting one lapse? We've invited Felix from Mason Finance down to the basement to give you the lowdown on selling off insurance for cash before it lapses or if you don't need it. We'll also have time for Doug's trivia, and of course, we'll answer a three-oh call for help to the Blooom hotline. Should Ryan focus on investing into his taxable brokerage account first or his 401k? Thanks also to MagnifyMoney.com for sponsoring Stacking Benjamins. MagnifyMoney.com saves users on average $450 when they compare, ditch, switch and save on credit cards, student loan refinancing, checking, savings and more. Check out MagnifyMoney.com for your savings. Thanks to Stamps.com for supporting Stacking Benjamins. For a 4 week trial (that includes a digital scale and postage) go to Stamps.com, click on the microphone at the top of the homepage, and enter SB.  Learn more about your ad choices. Visit podcastchoices.com/adchoices