Please log in to bookmark this story.All credit to the 20- and 30-somethings who have started investing and either own a home now or will soon. Achieving financial goals at a young age tells people you have drive, a keen understanding of money and, sometimes, well-off parents.Just as impressive, and maybe more, are the people who start investing and buy homes in their 40s. Whatever the reason for their delayed start, they are an inspiring example of how to roll with life’s challenges and end up doing just fine, financially speaking.In an upcoming episode of our Stress Test personal finance podcast for millennials and Gen Z, we want to talk with people who bought their first home or started investing in their early 40s. If this sounds like you, e-mail producer Zara Khozema at [email protected] goal in this episode is to send a positive message to people who for whatever reason feel like financial security is beyond their reach because they didn’t land a great job at 23 and buy a house at 30. A late start can be a great start. We’ll show you the way.From readersDo you have a question for me? Send it my way. Sorry I can’t answer every one personally. Questions and answers are edited for length and clarity.Tools and guidesA cheat sheet listing of tax breaks for seniors.