It's Not Too Late

Investing for Beginners Over 40

All digital products delivered instantly as downloadable PDFs.

Tier 2

The Book

$18

+ $6.50 shipping for physical book

A warm, beginner-friendly guide to investing in your 40s and beyond. No jargon. No shame. Just a clear path forward.

  • It's Not Too Late — full book
  • Roth IRAs, 401(k), TSP, Vanguard ETFs
  • Social Security strategy basics
  • Written for real people, not finance majors
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Best Value

Tier 1

The Complete Bundle

$33

+ $6.50 shipping for physical book

The full package — read it, work through it, and take action on it. Everything you need, start to finish.

  • It's Not Too Late — full book
  • My Personal Investment Workbook
  • 30-Day Checklist: From Zero to First Investment Made
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Tier 3

Workbook + Checklist

$15

Already have the book? Pick up the tools that turn what you read into what you actually do.

  • My Personal Investment Workbook (7 fillable worksheets)
  • 30-Day Checklist: From Zero to First Investment Made
  • Perfect if you purchased the book elsewhere
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Physical books ship within 7–14 business days. Digital products delivered instantly by email as downloadable PDFs.
Questions? hello@stoneroseholdingsllc.com

Book Updates

Stone Rose Holdings is committed to keeping our books current as financial laws and contribution limits change. Any updates or corrections will be posted here.

2026 Contribution Limits

  • Standard TSP/401(k): $24,500
  • Age 50+ total contribution: $32,500
  • Ages 60–63 enhanced catch-up total: $35,750
  • Roth IRA limits shown in the book remain correct.

This update will be incorporated into future printings.

View Complete Book Updates & Errata →