The Late Starter's Investing Blueprint — Free Guide | First Step Wealth
A free guide for late starters

For anyone who feels behind on money.

A free starter kit: the three accounts to open, the math that proves it's not too late, and the 15-minute check-in that keeps your money on track.

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A Free Guide From First Step Wealth
The Late Starter's Investing Blueprint.
The starter kit for anyone who feels behind on money. Three accounts. Real math. One 15-minute ritual.
2026 Edition · v1.0 fsw.
What's inside

Real numbers. Specific steps. No hype.

01

The truth about being "behind"

Median 401(k) balances, Fidelity's real targets, and why you're likely closer to on-track than the panic in your head says.

02

The 3 accounts to open (in order)

High-yield cash → 401(k) match → Roth IRA. Which to open first, why the order matters, and where to open each one.

03

Where your emergency fund should live

Why big-bank savings at 0.01% is quietly costing you $300–400/year, and the accounts that pay 30x more with the same access.

04

How to claim your full 401(k) match

The move that pays 100% overnight. What to check on your next paycheck, and how to fix it in five minutes.

05

The compound-interest math

What $200/month becomes at 10, 20, 30, and 40 years. The math proves you can grow your way to a million — even starting now.

06

The 15-minute quarterly check-in

The four-question ritual I do every three months. The people who "get good with money" don't check daily — they check on purpose.

The numbers

$200 a month. Grown patiently.

$200/month at 10% (historical S&P avg)
After 10 years~$41,000
After 20 years~$152,000
After 30 years~$452,000
After 40 years~$1.27M
You cannot save your way to a million dollars. But you can grow your way there — even on small amounts, even starting now.
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If this helped

The full book is called The Wealth Blueprint.

232 pages. Everything I learned building the system that grew my net worth by $114K in 24 months — including what to invest in inside each account, and the exact indicators I use to decide when to add money.

See the book →