40 with $0 Saved for Retirement? Take These 5 Steps NOW (Income Based)

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You're in your 40s with little to no retirement savings — but it's not too late.

In this video, I'm breaking down the exact 5-step catch-up plan based on YOUR income level: high earners ($120K+), moderate earners ($60K-$120K), and modest earners (under $60K).


🎯 WHAT YOU'LL LEARN:
✅ How much you actually need to save for retirement (it's less than you think!)
✅ The exact RRSP and TFSA strategy for YOUR income level
✅ How to eliminate debt while building retirement savings
✅ Income growth strategies that actually work in your 40s and 50s
✅ The biggest wealth killers to avoid at every income level


⏱️ TIMESTAMPS:
0:00 - Intro: You're Not Too Late
0:25 - Why You Still Have Time at 40
1:00 - Calculate Your Retirement Number First
1:45 - Why Income Level Matters
2:00 - High Income Plan ($120K+): Meet Michelle
4:00 - Moderate Income Plan ($60K-$120K): Meet Sandra
6:00 - Modest Income Plan (Under $60K): Meet Ellie
7:30 - Your Next Steps


FEATURED STRATEGIES:
RRSP contribution strategies by income level
TFSA maximization for tax-free growth
Employer matching optimization
Strategic debt elimination approach
Income growth tactics for catch-up savers
CPP and OAS planning basics
Canada Workers Benefit eligibility


My name is Toyin. I'm a CPA and financial planner helping Canadians build realistic retirement plans. Subscribe for shame-free retirement planning that meets you where you are.


DISCLAIMER:
This video is for educational purposes only and should not be considered financial advice. Your retirement situation is unique. For personalized advice, consult with a financial professional.

#RetirementPlanning #CanadianFinance #RRSP #TFSA #retirementsavings