Smart Money Strategies

10 Steps to Retire Ready and Not Late

By: Yolanda Washington-Cowan

Narrated by: Kerry Slater

Stop trading your time for a paycheck.

Most people are told that if they work hard for forty years, they might get to enjoy their life once they reach sixty-five. But what if you didn’t have to wait? What if you could claim your financial freedom right now?

In the final installment of the Smart Money Series, author and financial mentor Yolanda Washington-Cowan pulls back the curtain on the exact roadmap she used to achieve independence. This isn't just a book of theories—it’s a proven, ten-step battle plan designed to help you stop living for the weekend and start living for yourself.

Building on the life-changing principles found in her previous books, 10 Ways to Secure Your Future Wealth, 10 Tax Saving Tips, and 10 Ways to Become Debt Free, Yolanda shows you how to:

Calculate your "Freedom Number" so you know exactly when work becomes optional.

Master the "Gap" Philosophy to grow your wealth without feeling deprived.

Build a "Bridge Income" that carries you from your 9-to-5 to total liberation.

Automate your success so your wealth grows while you sleep.

Yolanda has walked this path and seen the results firsthand. Now, she’s reaching back to bring you along the journey. Whether you are just starting out or you’re looking for the final piece of your financial puzzle, this audiobook is your guide to a life of choice, purpose, and total freedom.

Don’t just make a living. Build a life you don't need a vacation from.

©2026 Yolanda Washington-Cowan (P)2026 Yolanda Washington-Cowan