Name: Money Moves in Your 40s
Availability: InStock

What you'll gain

The short version.

→ Run the 90-minute financial audit that replaces vague retirement anxiety with three specific, actionable numbers
→ Maximize your peak earning years through catch-up contributions, the next-raise rule, and the IRS windows designed specifically for your decade
→ Use Roth conversions, HSAs, and asset location to add six figures to your retirement without earning an additional dollar
→ Navigate the sandwich generation—supporting kids and aging parents—without derailing your own retirement
→ Optimize Social Security claiming to add more than $150,000 in lifetime income through a strategy most couples never run
→ Plan for healthcare costs—including the Medigap window that opens once and the long-term care decision that gets more expensive every year you wait
→ Build a one-page written financial plan backed by a five-layer automation stack that runs on autopilot between annual reviews

Who it's for

Adults in their 40s who can do the math, know the stakes, and want the specific, time-sensitive decisions that produce a materially different retirement when made now rather than later. This is not an introduction to personal finance. It is a targeted playbook for the decade when the compounding window is still open and the cost of inaction is highest.

Table of contents

Inside the book.

CH 01

The Compounding Clock

Why every year in your 40s is worth more than any year in your 50s. The arithmetic of delay—calculated precisely—and the benchmarks that tell you honestly where you actually stand.

CH 02

Your 40s Financial Audit

The honest inventory that changes everything. Net worth, real savings rate, and retirement gap—the three numbers that make every subsequent decision in this book personal rather than theoretical.

CH 03

Peak Earning Years, Peak Savings Rate

Maximizing the window that won't come again. IRS contribution limits, catch-up provisions, the employer match as guaranteed compensation, and the lifestyle inflation diagnostic that surfaces where peak earnings quietly disappear.

CH 04

The Tax Strategy Worth More Than Your Raise

Roth conversions, backdoor Roth mechanics, the HSA as the most powerful tax account available, and asset location—four decisions that compound into a six-figure retirement difference with no change to contribution level.

CH 05

Investing in Your 40s

The one decision that accounts for 90% of returns. Why you probably need more equities than conventional guidance suggests, the case for index funds, and the behavioral traps that cause the average investor to earn 3% less per year than the funds they hold.

CH 06

The Sandwich Generation Survival Plan

Protecting yourself while supporting everyone else. The rule that governs college versus retirement funding, a 529 partial-funding framework, the seven-step aging parent financial conversation, and how to set limits on adult child support that actually hold.

CH 07

Your Retirement Number

The math behind the goal and the plan to hit it. A full precision retirement number built from personalized inputs, three stress tests that measure what the plan can absorb, and the debt-versus-investing framework that gets the tradeoff right.

CH 08

Social Security

The decisions you need to start making now, not at 62. How benefits are calculated, the real math of delay, the couples strategy that adds six figures to lifetime income, and seven specific actions for people in their 40s that most people never take until it's too late.

CH 09

Healthcare in Your 40s and Beyond

The wildcard you can actually plan for. What the $315,000 Fidelity estimate covers and what it doesn't, the Medigap enrollment window that opens once and closes permanently, the HSA as a dedicated healthcare reserve, and the long-term care decision that gets more expensive every year it's deferred.

CH 10

Protection and Estate Planning

The non-negotiable safety net. Correct life insurance sizing with the DIME formula, the disability coverage gap most higher earners don't know they have, and the four legal documents every household must have on file—with a weekend action plan to get them done.

CH 11

Your Written Financial Plan

The one-page document that replaces a lifetime of anxiety. A complete plan template, a five-layer automation stack, the annual 60-minute review that keeps it current, and ten reflection questions that turn knowledge into action.

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