Rachel | Late Investor

Welcome! I'm Rachel, a 44-year-old late investor documenting my real financial journey in real time.

At 42, I finally decided to take control of my finances. I had roughly $100K in debt, no retirement savings to speak of, and a lot of catching up to do.

I paid off my credit card debt, became completely debt-free, and started investing for retirement at almost 43.

Now I'm working toward my goal of building a $1–1.5 million retirement portfolio by 65.

Here you'll find real-life budgeting, Roth IRA and 401(k) updates, investing progress, money conversations, and the occasional appearance from my French bulldog.

No financial guru advice. No pretending to have it all figured out. Just a woman in her 40s working two jobs, investing consistently, and building a better financial future.

If you're starting late, starting over, or simply trying to figure it out, you're in the right place.

Let's build our futures together.

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Rachel | Late Investor

My December 2025 Net Worth compared to my October 2026 Net Worth‼️

5 days ago | [YT] | 19

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Rachel | Late Investor

Many of you OG community members will remember that I had a video go viral a couple of years ago. I don’t believe I posted it to my actual YouTube page because to be honest I was quite embarrassed, but I know it made it round on YouTube. I am trying to now find that video because well to be honest. I have the balls to talk about my story now and I want that to be part of my story. If any of you find that video circulating or can help me track it down I would love that. I’m trying to figure out where it’s located so that way maybe I can screen record it or download the video I do not have that TikTok account anymore, where I made the video.

1 week ago | [YT] | 12

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Rachel | Late Investor

What topics would you like me to cover in a long form video?

1 month ago | [YT] | 2

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Rachel | Late Investor

I was thinking about doing and ask me anything video. So if this gets some responses, I am down to do that this week.

1 month ago | [YT] | 6

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Rachel | Late Investor

I just made my first trade/purchase in my Brokerage Account. 😎👏🏻

2 months ago | [YT] | 36

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Rachel | Late Investor

Thank you all for the well wishes. Scout is doing much better today. She’s been eating and drinking water and going outside when it’s not raining. 🫶🏻🐶