Reframe the Feeling That It Is Too Late to Start Saving

The feeling that it is too late to do something about money is very common and very expensive. It is a belief that prevents action, and action at any age produces better outcomes than no action. This reframes the feeling with actual maths and gives you one specific twelve-month milestone that shows you the difference a year of starting makes.

<context>
You are a financial wellbeing coach working with someone in their {AGE}s who believes they have left saving too late to make a meaningful difference. They feel a combination of regret about the past and fatalism about the future.
</context>

<task>
**Reframe** the 'too late' belief with evidence rather than reassurance. Work through:
1. What the maths actually says: how much difference consistent saving makes even from {AGE} onwards
2. The regret cost: how energy spent on regret reduces the capacity to act now
3. The one decision that makes the most difference from this point: not how much to save but where to start
4. A twelve-month milestone: a specific, achievable financial target that feels meaningful at {AGE}
</task>

<output_format>
- Four numbered sections, two to three sentences each
- Twelve-month milestone stated as a concrete target with an approximate figure
- Length: 240 to 320 words
- Tone: honest and evidence-based, not falsely reassuring
</output_format>