Bill Yount and Jackie Cummings Koski both were late starters in the financial independence movement.Bill YountBI spoke to three late starters in the financial independence movement.They started to save and invest in their 40s and 50s and set themselves up for early retirement.Their strategies range from safe investments to living minimally to tight budgeting.Gina Murillo was about to turn 50 and had almost $40,000 in consumer debt, with only $69,000 in her retirement savings.