Growing Late Bloomers

How to start something new late in your career—and still protect your retirement.

Thinking about starting a business later in your career? The statistics can be off-putting: Some 20 percent of small businesses fail within their first year, according to the Small Business Administration, and only about a third survive 10 years or more. In most cases, that means you may be facing financial failure just as you’re ready to stop working.

“You have to know your

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