Financial Independence.

The catch-up plan for people who didn't start at 25. No pension. No 30-year runway. So I built three things that compound without needing either: a Roth IRA you can actually access before 59, real estate equity that protects you in a crash, and monthly expenses low enough that retirement costs less than the calculators say. Not theory. Two decades broke, a few more figuring it out. If you're over 40 and playing catch-up — the math still works. That's what this is about.