After last week’s Savvy Investors Challenge, one theme came up again and again:

So many women feel like they’re too late.

Too old, too behind, too far off track.
Like they “should have” started saving or investing sooner.
Like everyone else is ahead of them.

If this is you — I want to say something clearly:
It’s not too late. It’s never too late.
But you do have to start.

Women often tell me they feel defeated about where they are financially, and they assume their chance at building wealth has passed. But everyone is on their own journey. Life is not linear. Careers shift, families need us, relationships end, health changes, responsibilities pile up — and money often gets pushed to the side.

The truth is: you were put on this earth to grow.
Humans are meant to evolve.
If you’re not growing, you’re standing still — and that’s when life feels the hardest.

And your financial life is no different.

Whether you’re in your 40s, 50s, 60s or beyond, you can still create wealth, financial freedom, and a solid financial plan. You will simply do it differently than someone who started at 25.

What Starting Later Really Means (From a Financial Advisor’s Perspective)

Starting later doesn’t mean the opportunity is gone. It just means the strategy changes.

From a financial planning perspective, starting later often means:

• You may need to invest a bit more money because you have less time for compounding
• Your wealth building strategies might look different than someone younger
• You may choose part-time work at 60 or 65 instead of a traditional “do nothing” retirement
• You might use your home equity differently — downsizing, renting, or selling
• You may build a retirement plan that mixes income streams, not just savings

None of these are failures. They are solutions.
They’re simply different pathways to the same goal: building wealth in a way that works for your life today.

Your Financial Life Can Change at Any Age

Some women worry that learning how to build wealth and budget is only for younger people.
Absolutely not.

You will be managing your money until you die — or until someone else has to take over.
So learning how to invest, how to budget, and how different types of income work is important at every stage of life.

I’ve worked with women who started learning about investing at: 42, 55, and 70 and everything in between!

And every single one made meaningful progress because they finally took control of their financial planning and started making empowered decisions.

It is never too late to learn how to invest.
It is never too late to build wealth.
It is never too late to change your future.

Practical Ways to Build Wealth When You’re Starting Later

Here are some of the most effective wealth building strategies I teach women who feel behind:

• Increase your contributions (since time isn’t compounding as long)
• Build multiple income streams so you’re not relying on one paycheque
• Consider real retirement planning options: part-time work, phased retirement, or downsizing
• Replace fear with financial literacy — understand your portfolio and your plan
• Focus on assets that grow over time
• Build a plan you can stick to, not a plan that stresses you out

There are many ways to do this.
What matters is that you begin.

Ready to Start Your Wealth-Building Journey?

If you want support building a customized financial plan, reviewing your investments, or figuring out the right next step, I’d love to help.

You can book a call with me here.

Your starting point is perfect — because it’s yours.
And the next chapter of your wealth story begins now.

— Michelle