It’s Never Too Late to Start Saving for Retirement

If you’re wondering if it’s too late to start saving for retirement, we can promise you that it’s never too late to start saving for retirement! Your job? Just to get started, regardless of how old you might be.

If there’s a question we get a ton in The Kitti Sisters inbox 📧, it’s this:

Is it too late for me to start saving for retirement⁉️

Short answer? NO, it’s never too late to start saving for retirement.

Long answer? NO, it’s never too late to start saving for retirement — but it’s essential that you start doing it in the right way so that you can start maximizing your gains and making the money you deserve! You can still retire early (even if it’s not quiiiite as early as you’d like)… it’s just all about saving your money and investing it to make the most of it.

And we’re here to tell you how to do it, because duh. 😏

You ready?

The Kitti Sisters - It's Never Too Late To Start Saving for Retirement

The Key to Saving for Retirement

When it comes to saving for retirement, our biggest tip is this: START.

Start today. 😊

Put aside the fear and the “I don’t know how to do this” that you probably have bouncing around in that brain of yours, and freakin’ go for it, okay?

Because, here’s the thing: you can either start to save the money today (no matter how old you are or how far behind you feel), or you can not save the money — and then end up even more anxious and behind than you are right now.

We love to tell ourselves that we’re not enough when it comes to saving money, and we loooove to make excuses for not starting and for avoiding it.

Stop that, okay?

And, instead, start coming up with a plan to save money that can either:

A) Help you build up a nest egg

B) Get you to the point where you *could* retire early, or

C) Make you feel more confident with the idea of retirement in the first place. Plus, you don’t need a financial planner to do it. 

All you need?

The willingness to start saving and the trust in yourself to do it. ?

From 401(k)’s to Roth IRAs to high-yield savings accounts, there are a ton of places and methods you can focus.

So, we’ll say it again… you just have to start. ▶️

Maximize Your Money With Passive Income

When it comes to saving for retirement and building up your nest egg, there’s one method that will getcha there the fastest — and that’s starting to bring in passive income that you can save, save, save. Passive income is what will help you build your savings for retirement, and it’s also how you can easily scale your savings so that you can retire early — or, even better, retire on your own terms. 🤓

What that means?

That if you want to live on an island in the middle of the ocean, you can. And that if you want to keep working a job you love, you can. You can just choose — and that freedom-fueled choice is the best thing you can do for yourself.

We’re always talking about passive income over here at The Kitti Sisters, and investing — especially investing in real estate — is our go-to method. It’s the easiest way to reach financial independence and true financial freedom, and the best way to start boosting your cash flow and the money in your wallet.

So, Here’s Your Job:

Decide the number that fits your ideal life. What’s the number that covers your expenses each month? What’s the number that covers your expenses AND gives you fun money? How can you reach that number?

What income streams may help you get there? For some people, that may be investing in real estate.

For others, that might mean diversifying your stock portfolio. It’s all about finding what money method works for you, and then running with it.


Because it’s your job to retire early if you want, it’s your job to save the money you want, and it’s your job to save early for retirement… if you want. Personal finance is really so much more personal than we give it credit for — and so is wealth management.

Your financial freedom is your responsibility and your choice, and that’s what’s so dang cool about it‼️ 


Are You Ready to Level Up Your Passive Income and Retire Early the Right Way?

Join us in our exclusive Facebook community, where we’ll chat long-term investments, passive income, and living the lives we want.



The Kitti Freedom Club


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We're Palmy ➕ Nancy Kitti 〰️ The Kitti Sisters

A sister duo team obsessed with all things financial freedom, passive income, and apartment investing + apartment syndication, who turned a $2,000 bank account into a nine-figure empire.  Now, we're sharing with you the behind-the-scenes secrets of our wealth building strategy.

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