Building a comfortable and secure retirement is by no means the preserve of the youthful and brilliant. Many have soared into millionaire-dom later in life after bouncing back from starting late, making mistakes, suffering losses and discovering a strategy that makes a difference. These financial newbies regroup and discover a non-competitive, holistic, long-term and low-cost investment strategy that rejects Wall Street's shenanigans and contrasting values. This book is a story of how two teachers on educators' salaries managed to retire early with financial freedom, without financial advisers. They regained their previous losses as seasoned investors and show you how it's never too late to plan for retirement. Late-Bloomer Millionaires is vignette and observation, reflection and investigation.