The Late Starter's Retirement Plan shows people in their forties, fifties and sixties how to find their real gap and close it with six levers, not one impossible one. Any currency, any country, no products pushed.
The Late Starter's Retirement Plan · Bodhih Pro Kits · 69 by Bodhih Training, trainers to 2,000+ companies since 2008.
No. A late start means using more levers, not giving up. List every pension and state entitlement, build your number from retirement spending instead of salary, then blend small moves: save more, work a little longer, trim spending, delay benefits and earn part-time. The Late Starter's Retirement Plan kit from Bodhih Training gives you the workbook and tools to do it.
Want the full free guide first? Read How to Catch Up on Retirement Savings at 50: A Calm Plan.
You suspect the number is bad, so you avoid it, and the avoiding feels worse every year. The dread is nearly always heavier than the figure. This kit gets you to the figure in one evening.
'Start early' is no use at 52. You need a method built for fifteen years, not forty, that counts what you already have and the levers you still control.
Online tools multiply your salary and produce a sum that feels hopeless. Your real number comes from your retirement spending minus your guaranteed income, and it is usually far smaller.
Children's fees, parents' care, a partner's plans. Your own retirement gets whatever is left on the 28th. You need limits you can state kindly and a contribution that leaves on payday.
A typical retirement spreadsheet is a table to fill in, with US-only assumptions and no explanation. You want something that teaches, calculates and works in your currency.
Imagine a Sunday evening a fortnight from now. The statements are out of the fruit bowl and in the planner. You type in the last figure, click the Dashboard and read your funded percentage. It isn't 100. It also isn't the catastrophe you had been carrying around, and for the first time the problem has edges.
Now picture yourself on the Scenarios sheet. You change one cell, the age you stop work, by a single year, and watch the gap shrink. You try a small rise in saving. You add two days a week of work you wouldn't mind at 68. As you build your blend, you notice that no single move is dramatic, and yet the bar on the gap meter has crept most of the way across.
When you sit down with your partner, the conversation cards on the table between you, you find out the retirement age they have never said aloud. You print the one-page poster. You send the nominee letter you have meant to send for six years. The 12-month calendar puts the next step in your diary so you don't have to remember it.
A year on, you run the annual review with a cup of tea. The line has moved. You know which lever comes next if markets are unkind. And there is a small standing order with the name of a dream on it, because this was always about a life, not just a number.
The e-book shows you how. The tools make it happen. Here is exactly what you download.
The guide: methods, worked examples, scripts and exercises
Any-currency planner: pension inventory, spending builder, retirement number and gap, catch-up scenario comparer, year-by-year projection, drawdown simulator, claiming-age comparer, buffers, dream fund, couples view and dashboard.
Fillable four-page worksheet: an ordinary Tuesday at 70, your dreams list sorted by cost and energy, a phased retirement sketch and a WOOP plan for the first dream.
Fillable three-page checklist: a job-by-job work history to find forgotten pensions and provident funds, a tracing log, and the documents to gather for each pot.
Fillable three-page checklist covering wills, nominees and beneficiaries on every account, powers of attorney, a 'where everything is' page and the questions to take to a lawyer.
Fillable two-page sheet: your numbers on one page, the questions to ask about qualifications, fees and conflicts, and a scorecard to compare advisers.
Nine editable letters and emails: request a pension statement, trace a lost pot, ask for a state benefit forecast, update a nominee, query charges, ask an employer about phased retirement and more.
An editable guide with agendas, opening lines, questions and scripts for three conversations: with your partner, with adult children, and for adult children talking to parents.
The six levers side by side: what each does to your number, what it costs you in life terms, and the first step for each.
A dated quick reference to the main state and workplace schemes in three countries, what late starters should check in each, and where to find official figures.
Seven ways to step down rather than stop, with who each suits, the money effect and the questions to ask your employer and pension scheme.
The warning signs, the ten most common scams aimed at people near or in retirement, a stop-check-call routine and what to do in the first hour if you have been caught.
Twelve monthly 90-minute sessions, twelve mid-month check-ins and an annual review, importable into Google Calendar, Outlook or Apple Calendar.
32 colour question cards in four suits (Dreams, Money, Home and health, Family) to print, cut and draw from at the kitchen table.
A colour fill-in poster for the fridge or folder: your number, your pot, your gap meter, your six lever settings and your next three actions.
Each chapter opens with a real situation, gives you a method and ends with something to do today, using the tools in your kit.
Why a late start changes the method, not the possibility, and how the kit fits together.
A one-evening inventory of every pot, old pension and state entitlement, with tracing steps for India, the UK and the US.
Build retirement spending in three groups, subtract guaranteed income, and find the gap your pot must fill.
Save more, work longer, spend less, use housing wealth, delay benefits, earn later: test each alone, then blend.
Sequence-of-returns risk and withdrawal-rate ranges in plain words, with four practical protections.
How to put a first, honest number on health and long-term care without pretending to predict them.
Stay, move smaller, earn from it or borrow against it, plus the order for clearing debt before retirement.
Supporting family in the sandwich years with limits set in advance and scripts for a kind no.
Dreams with prices and ages, purpose after work, and phased retirement.
What couples must agree, the survivor question, and a 60-minute money date.
Wills, nominees and powers of attorney, the scams aimed at your age group, and how to choose an adviser.
What a year of modest moves looks like, and why 85 per cent funded beats an unopened envelope.
Dated examples of the four layers in three systems, with a reminder to verify.
The month-by-month plan and a short glossary.
Every outcome is practised with a worked example and a tool, not just described.
People who measure before and after improve faster and can show it. AssessAll, our sister assessment platform, has AI-graded assessments that pair with this kit. Take one now, work through the kit, then re-take it.
Two sisters retire with the same pot and the same spending. Over the next thirty years their investments earn the same average return. One of them runs out of money at 84. The other dies at 95 with more than she started with.
This is not a riddle. It is called sequence-of-returns risk, and it is the most important idea in retirement that most people have never heard of.
While you are saving, the order of good and bad years barely matters. A fall early on even helps, because your contributions buy more. Once you start withdrawing, it flips. If markets fall in the first few years of retirement, you are selling investments at low prices to pay the bills, and those units are gone when the recovery comes. The same bad years arriving twenty years later do far less harm, because by then the pot has had time to grow and you have fewer years left to fund.
| Free templates and typical advice | This kit | |
|---|---|---|
| Method | A blank tracker and a salary multiple | A taught method: inventory, spending-based number, six levers, drawdown protections |
| Scenarios | One projection, one return | Up to twelve scenarios side by side on cautious, middle and hopeful returns, with funded % and money-lasts-to age |
| Currency and country | US dollars and US rules assumed | No currency symbols, your own inflation and return assumptions, dated notes for India, the UK and the US |
| Withdrawal phase | Ignored, or a fixed 4% rule | A simulator that runs the same returns in three orders and tests flexible spending |
| Life around the money | Not covered | Dreams, phased retirement, couples, family support, estate basics and scams, each with a tool |
| Honesty | Optimistic single figure | Ranges and scenarios, no product recommendations, no return promises |
Bodhih Training has designed and delivered corporate programmes since 2008. Bodhih Pro Kits package what works in those workshops into a guide plus the exact tools we use, so you can apply it the same day without a facilitator in the room.
Name, email and country. UPI, card or netbanking in India; international cards everywhere else. No account to create.
Your download page opens at once, with every file and a one-click ZIP. A permanent link lands in your inbox too.
Start with the quick-start chapter, then the main spreadsheet or planner. Most buyers use something from the kit the same day.
Whether you begin with the inventory this evening or the conversation cards at the weekend, the first step is the same: put real figures where the dread used to be. Open the planner, type in one statement, and see where you actually stand.
Personal licence for the buyer's own use (and use with your own household). Please don't share or resell the files. Team and company licences: solutions@bodhih.com.
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No. You have less time for growth than an early starter, but you usually have higher earnings, costs that are about to end and real figures to plan with. The kit shows how small moves on several levers, such as saving a little more, working a year or two longer and earning part-time, can close a gap that looks impossible when you only consider saving.
Build your retirement spending line by line in today's money, subtract income that is guaranteed such as a state pension, and the remainder is the yearly gap your pot must cover. The Retirement Rescue Planner turns that gap into a retirement number in two ways and shows what percentage of it your current plan would fund.
Yes. Amounts carry no currency symbol, and you set your own inflation and return assumptions on the Assumptions sheet. The e-book and a dated cheat sheet include short notes on India, the UK and the US as examples; pension and tax rules change, so verify them on official sites.
No. The kit is educational. It is not financial, tax, legal or investment advice, it recommends no product, fund or share, and its projections are scenarios based on your assumptions, not forecasts or guarantees. Past performance does not predict the future. Check a qualified, registered adviser and your local rules before acting.
It is the danger that poor investment returns arrive in the first years of retirement, while you are withdrawing. Two people with the same average return can have very different outcomes depending on the order. The Drawdown sheet in the workbook lets you see this with your own pot and withdrawal rate.
Yes, and it is designed for that. The Inventory records who owns each pot, the Couples View shows what a survivor would live on, and the conversation cards and Family Conversation Guide give you an agenda for a one-hour money date.
If you would like an objective read on how you make financial choices, AssessAll offers assessments such as Money Decision Judgment, Risk, Probability and Statistical Thinking, and the Patience and Delay Tolerance Profile. They are a useful mirror before you set your assumptions and choose your levers.
Use the 12-month calendar in the kit and the WOOP exercise in the vision worksheet. For more on the method, Jobulary has a practical guide to setting goals you reach with WOOP, which works as well for a retirement habit as for a career goal.
Write down every job you have held, mark which might have had a pension or provident fund, then contact each scheme in writing. In the UK the government's free Pension Tracing Service provides scheme contact details. The kit's tracing checklist and letter templates walk you through it.
Digital kits are non-refundable once downloaded. We will replace or refund where a file is corrupted and not fixed within 3 working days, where you were charged twice, or where delivery failed.
₹1,499 including 18% GST for buyers in India, or $39 for buyers outside India. One-time payment, no subscription, with an automatic invoice.
Instantly. Your download page opens the moment payment succeeds, and a permanent download link is emailed to you. Download each file separately or everything in one ZIP.
Any of the usual tools: Excel or Google Sheets for spreadsheets, Word or Google Docs for templates, Adobe Acrobat Reader, Preview, Xodo or GoodNotes for the fillable PDFs, and Google, Outlook or Apple Calendar for the calendar plan.
Because it is a digital download, kits are not refundable once downloaded. We always refund a duplicate charge or a failed delivery, and if a file is corrupted and we cannot fix it within 3 working days. Full terms: bodhih.org/refunds.
Yes. Team and company licences, and workshops on this topic run by Bodhih Training, are available. Write to solutions@bodhih.com or call +91 99000 11601.
