
Strategic Investing
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The Late Starter’s Emergency Fund: How Much You Actually Need (It’s Less Than You Think)
The Late Starter’s Emergency Fund: How Much You Actually Need (It’s Less Than You Think). Smart strategy for…
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The Debt-Investing Split Strategy: How Late Starters Can Allocate Every Extra Dollar for Maximum Financial Impact
Discover the debt-investing split strategy for late starters. Learn how to allocate every dollar between debt elimination and…
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The Late Starter’s Emergency Fund Strategy: Why the 6-Month Rule Fails After 35 (And What to Do Instead)
The traditional 6-month emergency fund rule wasn’t built for you. If you’re over 35 and have high-interest debt,…

Calvin Nate
Hello, my name is Calvin Nate, founder of ItIsNotLate.com. I started this blog for people just like you – the lat starters, the ones in their 30s and beyond and I believe with every fiber of my being that it’s never too late to take control of your financial future. On this platform, you won’t find confusing jargon or a one-size-fits-all plan. Instead, I’m here to provide a clear, practical playbook for a unique challenge: how to strategically balance paying down debt while also investing for a powerful catch-up. With supportive resources and a focus on actionable guidance, I’m here to help you rewrite your financial story and turn a feeling of being “behind” into a plan for getting ahead. Let’s embark on this journey together. I’m glad you’re here.
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