Is It Too Late to Become Financially Free?

Part of the reason I’m so passionate about what I do is that I’ve lived through some people’s worst nightmares financially, and I want to help others to avoid some of the terrible and painful mistakes that I’ve made. 

And if you’ve faced financial challenges in your own life, I can show you how you can recover and rebuild.

People often ask me, “Penelope, you had to start over in your 30’s. What about people in their 50’s, 60’s, 70’s and up?”

Here’s the thing…

Financial freedom is not an age.  It’s a number.

So the “Path to Prosperity” that I guide my clients through is the same, regardless of your or current financial situation.

If you’re younger, it’s nice that you have time on your side.  It’s easier to get the power of compound interest working for you.

On the other hand, if you’re older, you have experience, skills, knowledge, connections, and credibility on your side… all of which you can turn into a LOT of MONEY… very quickly.  

Here are a few examples, that I think you’ll find inspiring…

Julia Child was a CIA intelligence officer.  She didn’t even learn to cook until she was almost 40 and didn’t launch her popular show until she was 50.

Colonel Sanders started Kentucky Fried Chicken when he was 62 years old.

And the American folk artist, Anna Mary Robertson “Grandma” Moses didn’t start painting until she was 78.  For most of her life, she worked on a farm and practiced embroidery as a hobby. When her arthritis made it too challenging to hold a needle, she started working with a paint brush instead.

So wherever you are financially right now, as Winston Churchill said, “Never, never never give up!”  

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Penelope Jane Smith is the premier financial freedom coach for women entrepreneurs and the go-to expert for some of the biggest names in the conscious business industry. More about Penelope. 


  1. Mary Morgan on July 14, 2020 at 7:59 pm

    Hi Penelope, thanks for the beautiful blog and encouragement! I feel like this is a direction I can move on, and you have made a difference. Awesome work, and much gratitude – Mary B

  2. Scott Kirkendall (GoBeYouCoach) on August 11, 2022 at 7:21 pm

    I started this path in my 50s and have already had a significant change in my financial freedom position.

  3. Nancy Snyder on August 12, 2022 at 4:05 pm

    As a senior, this is a great reminder!

  4. Kicki on August 15, 2022 at 2:33 am

    Its interesting how the feel of age might turn you into doing nothing.. Its so connected to the comments and thing’s you hear.. like you should have started saving in your 20’s cause now its a missed opportunity.. And seeing that it’s not, that you still can make a change in your economic career is awsome!

  5. Georgena Eggleston on August 16, 2022 at 2:53 pm

    Thank you, Penelope, for re-MIND-ing me that Age is a Number as is Financial Freedom!!
    So grateful to be in the Prosperity MasterMind. ~ GeorgenaGrace

  6. Skywalker Payne on August 17, 2022 at 7:52 pm

    This stood out for me because I’m 71. I’m still working on my money mindset and your enthusiasm, creativity, and knowledge are giving me insights and motivation. Thank you for your vision and service.

  7. Sheila on August 23, 2022 at 7:41 pm

    I love this perspective, all we can do is start where we are and do our best, thanks for the reminder, Penelope.

    • Penelope Jane Smith on August 23, 2022 at 10:58 pm

      Thanks so much for taking the time to comment, Sheila! Do you have a Roll account? I’d love to send you some Prosperity Coins to show my appreciation. : )

      • Sheila on September 27, 2022 at 11:51 pm

        Oops, I didn’t see you respond. Yes, I imagine I do have a Roll account and would love the prosperity coins!! 😉 Is it the same as

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