Hi, I'm Steve.

I live in Caldwell, Idaho with Cindy, my wife of 37 years (she's a very patient woman). We have two daughters, a son-in-law, and 5 grandkids, all who have the good manners to live close by.

I'm not a guru. I'm a guy who didn't get serious about funding retirement early enough, realized he had a problem, and decided to do something about it.

I spent decades in the convenience store world. Hiring, firing, stocking shelves, fixing the cooler at 2 a.m., solving the problem in front of me. From owner-operator to mid-level corporate management.

I invested in real estate. Took the "low money down' courses. Used the leverage. Thought I had it figured out.

Then 2008 taught me that borrowed money cuts both ways. And it beats you roughly about the head and shoulders when it goes the wrong way.

While the "set-it-and-forget-it" retirement account did its part, I hadn't fed it enough, early enough. The savings never caught up with the timeline. 

That's a hell of a thing to face in your fifties.

If you've had your own version of that story, the part where the calculator tells you what your gut already knew, you and I are going to get along fine.

The gap between what you have and what you'll need is a starting point. The game isn't over, yet.

The markets didn't fail us. Compound interest didn't fail us. We just didn't give them enough to work with, and most of us figured that out about ten years too late.

"Not enough money" is a math problem and math problems can be solved.

You've still got working years. You've still got fight. And you've got something the 28-year-olds don't: judgment. You know what a bad deal smells like. You know what matters and what doesn't. That's leverage, even if it doesn't show up on a balance sheet.

Missing Comma is where I work through building cash flow late starters, investing like Social Security might not be there growing income that isn't tied to a desk, and staying strong and useful for the next thirty years.

No 12-hour grinds. No shiny objects. No get-rich-quick. Just the honest work, written down mostly as I do it.

I'll point at tools and resources that have actually moved the needle for me. Some of them I make a few bucks on. I'll tell you when that's the case. 

My job is to help you win first. Everything else follows from there.

Guys who got a late start and are done pretending otherwise. 

Guys who'd rather hear the number than dodge the statement. 

Guys who want to build something real, on the side of a life they actually like: the garden, the grandkids, the round of golf when the weather turns.

If you're looking for a magic pill, this isn't the place. If you're willing to look at the math and then do the next sensible thing, you're in the right room.

If you haven't run your number yet, do that first. Find out what your situation really is. Takes about two minutes. Don't flinch when you see it; we'll work through what it means.

Or get the weekly note. One email, written for guys building cash flow late. No fluff, no upsell theater.

Copyright © Steve Norris | MissingComma.net | All Rights Reserved | Privacy Policy | Cookie Policy