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It's Now or Never

How to Enjoy Your Life and Not Let Your Investments Own You!

This book is written primarily for those born before 1966 (over 50) who are within 10 to 15 years of retirement or in retirement.

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It's Now or Never
It's Now or Never


How to Enjoy Your Life and Not Let Your Investments Own You!


Dee Carter Radio

Growing Up in West Texas

I wrote this book not just to tell stories. My friends and family know I can do that at the drop of a hat. I want this book to help others see some things in my life that might help them learn how to put it all together — all the important things in life. That means faith, family, fun, community, and country all in one happy package.

You will be taken through many interesting twists and turns both in my personal experience and actual market movements of supposedly “conservative investments.” As you move through the pages and discover the events that bolstered my knowledge, you will be moving along a path to increase your own wisdom. With that enhanced wisdom, you will uncover why “common-sense” investments are being ignored as we fact-check Wall Street. You’ll then explore some of your own strengths and how to use them combined with methods to avoid being trapped.

The strategies to maximize your retirement will be made crystal clear. Avoiding the temptation to do what has caused so many so much pain in the past will also be easier with your newfound knowledge and wisdom. You will more comfortably focus on working to achieve your goals by using sensible strategies to get you there.

Sample Pages

  • Page 1. Introduction
  • Page 47. Living Life to the Fullest
  • Page 54. Dee's Directives
  • Page 79. What would you do? Performance vs. Purpose-Based investing
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This is the most fun you are ever going to have reading a financial book. Chock-full of wisdom and solid financial tips, Dee also uses stories to illustrate and help consumers understand WHY they need to plan. There is more to life than just the math equation answering the question, do you have enough to retire?

Dee Carter Vet Memorial

The Author

Dee Carter
Abilene Christian University

Dee K. Carter is the founder of Carter Financial, a firm that is still active and strong in Midland with over 800 clients. Dee became associated with Advisors' Academy in 2011 and serves on the Advisory Board. He is also an Investment Advisor Representative with Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm located in Fort Lauderdale, Florida.

Dee has been active in many different programs in the Midland area including the Northwest YMCA (Board Member), the Midland Association for Retarded Citizens (Board Member), the Southwest Basketball Officials Association (Board Member and Secretary for 13 years), the Midland-Odessa Symphony and Chorale (Board Member and Chorale member), and the Midland Downtown Lions Club (Foundation Board Member). He also served as a high school and college basketball official for 28 years. He has been a member of the National Association of Insurance and Financial Advisors-Texas since 1976, serving as the State President of that organization from 2000-2001. He received the Lifetime Achievement Award from NAIFA-Texas in 2012 and was recognized as Lifetime Member of the Southwest Officials Association in 2002. He was also a nationally recognized Elvis Tribute Artist for 15 years and was a finalist for the Elvis Impersonator of the Year 2004. Dee has a weekly radio program each Monday morning at 8:00 on KWEL 1070 AM and 107.1 FM where he discusses retirement planning. He has been recognized as a leader for the American Equity Investment Life Insurance Company appearing on their Agents' Forum program in March 2018.