Rebuild Your Retirement in 10 Years or Less

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You've probably done the math at 2 a.m. Lying awake, calculator app open, punching in a number that sounds responsible—$1.5 million, maybe $2 million—and watching the little screen tell you it will take forty-three years. You're fifty-two. Forty-three years puts you at ninety-five. The math doesn't just fail you. It quietly informs you that you're already too late, so why bother. Here's the thing: that math was never yours. It was built for a twenty-five-year-old with a forty-year runway and a salary that only goes up. You inherited it like a bad mortgage and never questioned the terms. The number isn't wrong because you failed.