Follow the advice in The Smartest Retirement Book You'll Ever Read and you will: Find simple strategies to maximize your retirement nest egg Steer clear of scams that rob you of your hard-earned savings Ensure that your money lasts longer than you do Avoid the common mistakes that can leave your spouse impoverished Discover financial lifelines no matter how desperate the economy"If you want a handy guide that provides information in small chunks, Solin's book is it." -Newark Star-Ledger

Create the retirement you desire with proven financial strategiesThe New Rules of Retirement throws away the rules of thumb, clichés, and obsolete ideas. It provides a proven, updated approach to retiring successfully in today's world. In this new second edition based on independent, objective research, retirement expert Robert C. Carlson uses proven, profitable techniques to coordinate all the factors that lead to financial security and independence. You'll learn how much you really need to save for retirement, how to invest that nest egg before and during retirement, and how to establish a wise and sustainable spending strategy. Carlson will explain how to overcome the threats to lifetime financial security, such as longer life expectancy, low investment returns, higher taxes, and more. Importantly, you'll learn how to plan for the wildcards of retirement planning: health care and long-term care expenses. This edition covers changes in key areas such as annuities, IRA management, estate planning, and income taxes. You'll learn how to merge these insights into your plan to enhance financial security and to provide for loved ones in the future.Retirement no longer means being put out to pasture. Today's retirees are traveling the world, attending classes, developing new skills, starting businesses, mastering neglected hobbies, and more―well into their golden years. This guide helps ensure you have the financial independence to pursue the retirement you want through smart planning and effective financial strategies. Know and overcome the threats to retiree financial security Learn the right way to estimate retirement spending Develop a sustainable spending strategy Invest your nest egg to make it last Plan for potential long-term health care Leave a legacy for loved onesThe retirement is now a new phase of life, not a winding down. It's a time to live your best life and do things you couldn't before. But all the financial aspects of retirement have changed. To maintain financial security and create the retirement you desire, you need to be on top of the changes. The New Rules of Retirement provides the latest, proven strategies that help put the shine in your golden years.

“A superb introduction to the necessary financial planning no American over 40 can afford to ignore.”Publishers Weekly“It’s time for many individual investors to make some hard choices. Baby Boomers are learning to deal with the fact that they really can’t have it all--at least not all at once. Retirementology is a great guide to helping them think through their plans for living, saving, and spending.”Marion Asnes, Editor in Chief, Financial Planning magazine“Retirementology applies behavioral finance to retirement planning and finds we all could be doing a lot better when it comes to making decisions about retirement. But don’t despair: Not only does Dr. Salsbury crisply describe our self-destructive financial behavior, he offers much more--namely, ways we can improve financial decisions. The book is a real contribution to both behavioral finance and the field of retirement planning.”David Adler, author of Snap Judgment“Retirementology is an entertaining, yet sobering, journey through the cognitive errors and social biases harming our current and future lifestyles. Dr. Salsbury’s book is not just for retirees or those soon to retire--the earlier you read it, the better you can live!”John Nofsinger, Ph.D., Associate Professor of Finance, Washington State University, and author of The Psychology of InvestingLooking ahead to retirement? Depending on your circumstances and your age, you may no longer have any margin for error. And your emotions and irrational behavior could be perpetuating a dangerous cycle of overspending and rising debt that may shatter whatever vision of retirement you still have. Welcome to the world of Retirementology.Retirementology bridges retirement planning with investor psychology and the market Meltdown of 2008 to produce an entirely new way of thinking about how we spend, how we save, how we borrow, and how we invest. Financial mistakes are deeply rooted in human nature, but you may be able to overcome them--if you understand the breakthrough principles of behavioral economics and apply them in your own retirement planning.Dr. Gregory Salsbury identifies some of the classic cognitive biases and behavioral mistakes most of us keep making when it comes to retirement planning. For example: Why will people drive 45 minutes to use a $2.00 coupon? Why won’t people sell a poor performing stock just because they inherited it from grandma? Why do people spend differently with a credit card than they do with cash? Why do people believe that they paid no income taxes because they received a refund? You’ll learn why the financial meltdown has amplified the impact of these all-too-human cognitive mistakes and discover ideas for addressing them.The bottom line for your bottom line is that retirement can no longer be ignored, viewed as a single event, relegated to a “zone,” or romanticized. Instead, you must understand how every spending and financial decision you make from here on can impact the way you will spend your golden years. Retirementology attempts to help you do just that.Retirement planning: right brain versus left brainWhy these different areas of the brain impact financial decisions--and what to do about itIt’s real money! “De-layering” your financesHow to overcome the psychological tricks that separate you from your moneyFamily matters: managing financial support decisions for your extended familyChoosing between your family or your retirementGet “long-term smart”How longevity, inflation, volatility, and your own expectations impact your retirement goals

Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? Based on Dave Ramsey's New York Times best-selling book that has already helped millions of readers, this companion workbook will help you develop everyday money-saving and life-changing habits.Ready to apply everything you learned in The Total Money Makeover? This essential companion workbook--packed with self-assessments and lined sections dedicated to note-taking--will give you the tools and the encouragement you need to: Unpack the lies you've been told about finances Pay off the debts that are weighing you down Start building your emergency fund Become financially healthy for lifeWith inspiring real-life stories and thought-provoking questions for reflection, this workbook is the reset you've been searching for.

A comprehensive guide to planning your future retirement before it's too late!Even though half of all Americans put money aside for retirement, it isn't until they reach their sixties that many realize that they haven't saved enough. With The Five Years Before You Retire, you'll hone in on what you need to do in the next five years to maximize your current savings and create a realistic plan for your future. This book guides you through each financial, medical, and familial decision, from taking advantage of the employer match your company offers for your 401k program to enrolling in Medicare to discussing housing options with your family. Covering every aspect of retirement planning, these straightforward strategies explain in detail how you can make the most of your last few years in the workforce and prepare for the future you've always wanted.Whether you just started devising a plan or have been saving since your first job, The Five Years Before You Retire will show you what you need to do now to ensure that you live comfortably for years to come.

*This is the Revised 2024 Book Edition published in January 2024* The Retirement Planning Guidebook helps you navigate through the important decisions to prepare for your best retirement. You will have the detailed knowledge and understanding to make smart retirement decisions:- Understand your personal retirement income style, which can then help you navigate through the conflicting opinions about retirement strategies to choose your right path.- Learn about investment and insurance tools that may best resonate with your personal style.- Determine if you are financially prepared for retirement by quantifying your financial goals (annual spending, legacy, and reserves for the unexpected) and comparing them to your available assets.- Make smart decisions for when to start Social Security benefits, which could potentially support an additional $100,000 or more of lifetime income from Social Security.- Develop a plan for making the best initial and ongoing choices from the alphabet soup of Medicare options, as well as how to find health coverage if you retire before Medicare eligibility.- Assess where you wish to live in retirement and whether there are helpful ways to incorporate housing wealth into your retirement strategy.- Decide how to manage your long-term care risk between self-funding, Medicaid, or private insurance, and take steps to support living at home for as long as possible.- Understand how to manage your taxes to pay less, to avoid common pitfalls, and to have more for your lifetime and your legacy. You will be able to apply tax diversification, asset location, tax bracket management, and Roth conversions to enhance the sustainability of your retirement assets.- Get your finances organized and understand how to get your estate and incapacity planning documents in order, including your will, account titling, beneficiary designations, financial power of attorney, and advance health care directives.- Identify whether there is a role for trusts in your estate plan for reasons related to avoiding probate, controlling how and when assets are disbursed, obtaining creditor protections, or helping to manage estate taxes.- Prepare for the non-financial aspects of retirement, including the need to find purpose and passion, to understand if there is a role for work in retirement, to enhance relationships and social connections, and to maintain an active and healthy lifestyle.Retirement has an entire vocabulary associated with it. We'll demystify the 4% rule, sequence-of-return risk, time segmentation and buckets, reverse mortgages, income annuities, variable annuities, fixed index annuities, long-term care insurance, living trusts, irrevocable trusts, budgeting, the funded ratio, Medicare Advantage, Medicare supplements, diversified investment portfolios, Roth conversions, the hazards of the Social Security tax torpedo and increased Medicare premiums, buffer assets, 401(k) plans and IRAs, the rollover decision, distribution options for defined-benefit company pensions, required minimum distributions, qualified charitable distributions, aging in place, cognitive decline, and so much more.The Retirement Planning Guidebook does not let important matters fall through the cracks. This is a comprehensive look at the key retirement decisions to achieve financial and non-financial success. You will have the foundation to make the most of your retirement years, and I hope you'll be able to do something great!

Stop making a living and start making a life with The New RetirementalityWhen Mitch Anthony first presented the concept of a new way of thinking about retirement in 2000, it was novel and many critics didn't buy into it. Originally written to get the attention of baby boomers who were approaching 55, Mitch started a revolution by showing people why they needed to have a new attitude about retirement–a "new retirementality." More than a decade later, most of us are facing a very different retirement reality than previous generations–failing pensions, an endangered social security system, and inadequate savings. We have been forced to face the reality of a retirement that may never happen, or one that will take place much later in life than ever expected.Circumstances are redefining what it means to retire, and The New Retirementality, Fourth Edition is your roadmap. While most books focus on a "number," this reliable resource shows you that attitude is also an essential part of the equation–if you want to succeed you need both means and meaning. Includes new research and studies on the latest retirement realities, as well as introduce readers to Mitch's newest concept, investing toward a greater Return on Life™ Discusses what it means to retire on purpose, the expanding role of work in retirement, and how to self-direct your future by becoming your own benefits director Written by top financial planner Mitch AnthonyFilled with engaging anecdotes and inspirational suggestions, this book will motivate you to rethink the meaning of retirement and put you in a better position to enjoy the new retirementality you deserve.

“In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffianThis book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear.Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical.“But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run.Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms.Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective.The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other.Together we’ll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don’t recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security. A Case Study on how this all can be implemented in real life. Don’t let any of this intimidate you. Those that have gone before you say:“….in his patented no-frills and often humorous style, JL makes it both approachable and simple. And powerful.”“…effective message told in a visual, funny style.”“…a refreshingly unique and approachable take on investing.”“JL Collins has the gift of making boring financial concepts funny and interesting.”“Instead of esoteric equations about measuring a stock's alpha and comparing it to its beta, he lights up the campfire and starts telling stories.”Enjoy the read, and the journey!

Here is a single-sit read than can change the course of your retirement. Written by Dr. Teresa Ghilarducci, an economics professor, a retirement and savings specialist, and a trustee to two retiree health-care trusts worth over $54 billion, How to Retire with Enough Money cuts through the confusion, misinformation, and bad policy-making that keeps us spending or saving poorly.It begins with acknowledging what a person or household actually needs to have saved—the rule of thumb is eight to ten times your annual salary before retirement—and how much to expect from Social Security. And then it delivers the basic principles that will make the money grow, including a dozen good ideas to get current expenses under control. Why to “get rid of your guy”—those for-fee (or hidden-fee) financial planners that suck up valuable assets. Why it’s always better to pay off a loan or a mortgage.There are no gimmicks, no magical thinking—just an easy-to-follow program that works.

A fully revised edition of one of the most influential books ever written on personal finance with more than a million copies sold“The best book on money. Period.” –Grant Sabatier, founder of “Millennial Money,” on CNBC Make It"This is a wonderful book. It can really change your life." -OprahFor more than twenty-five years, Your Money or Your Life has been considered the go-to book fortaking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by "the Frugal Guru" (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money.Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to:• Get out of debt and develop savings• Save money through mindfulness and good habits, rather than strict budgeting• Declutter your life and live well for less• Invest your savings and begin creating wealth• Save the planet while saving money• …and so much more!"The seminal guide to the new morality of personal money management." -Los Angeles Times

The irreverent guide to investing, Boglehead styleThe Boglehead's Guide to Investing is a DIY handbook that espouses the sage investment wisdom of John C. Bogle. This witty and wonderful book offers contrarian advice that provides the first step on the road to investment success, illustrating how relying on typical "common sense" promoted by Wall Street is destined to leave you poorer. This updated edition includes new information on backdoor Roth IRAs and ETFs as mainstream buy and hold investments, estate taxes and gifting, plus changes to the laws regarding Traditional and Roth IRAs, and 401k and 403b retirement plans. With warnings and principles both precisely accurate and grandly counterintuitive, the Boglehead authors show how beating the market is a zero-sum game.Investing can be simple, but it's certainly not simplistic. Over the course of twenty years, the followers of John C. Bogle have evolved from a loose association of investors to a major force with the largest and most active non-commercial financial forum on the Internet. The Boglehead's Guide to Investing brings that communication to you with comprehensive guidance to the investment prowess on display at Bogleheads.org. You'll learn how to craft your own investment strategy using the Bogle-proven methods that have worked for thousands of investors, and how to: Choose a sound financial lifestyle and diversify your portfolio Start early, invest regularly, and know what you're buying Preserve your buying power, keeping costs and taxes low Throw out the "good" advice promoted by Wall Street that leads to investment failureFinancial markets are essentially closed systems in which one's gain garners another's loss. Investors looking for a roadmap to successfully navigating these choppy waters long-term will find expert guidance, sound advice, and a little irreverent humor in The Boglehead's Guide to Investing.

Turn your retirement savings into a steady paycheck that will last for life with Jane Bryant Quinn’s “‘how to’ book that covers every phase of retirement finance. Bottom line, anyone on the retirement track or in retirement should own this book” (Huffington Post).Today, people worry that they’re going to run out of money in their older age. That won’t happen if you use a few tricks for squeezing higher payments from your assets—from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and—critically—how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they’ll stretch out your money over many more years. With this book, financial expert Jane Bryant Quinn, “America’s dean of personal finance” (Forbes), explains how to turn your retirement funds into a paycheck that will last for life.She also shows how to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you’ll still have spending money ten and twenty years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they’d hoped for, this book will become the essential guide—“a hugely valuable resource for readers, wherever they are on their personal financial timeline” (Publishers Weekly, starred review).

Learn everything you need to do in the next five years to create a realistic plan for your retirement with clear, practical advice that is sure to set your future up for success.Most people don’t realize they haven’t saved enough for their retirement until their sixties and by then, it’s often too late to save enough for a comfortable retirement. The 5 Years Before You Retire has helped thousands of people prepare for retirement—even if they waited until the last minute. In this new and updated edition, you’ll find out everything you need to do in the next five years to maximize your current savings and create a realistic plan for your future.Including recent changes in financial planning, taxes, Social Security, healthcare, insurance, and more, this book is the all-inclusive guide to each financial, medial, and familial decision. From taking advantage of the employer match your company offers for your 401k to enrolling in Medicare to discussing housing options with your family, you are completely covered on every aspect of retirement planning. These straightforward strategies explain in detail how you can make the most of your last few years in the workforce and prepare for the future you’ve always wanted.Whether you just started devising a plan or have been saving since your first job, The 5 Years Before You Retire, Updated Edition, will tell you exactly what you need to know to ensure you live comfortably in the years to come.

The Retirement Planning Guidebook helps you navigate through the important decisions to prepare for your best retirement. You will have the detailed knowledge and understanding to make smart retirement decisions:- Understand your personal retirement income style, which can then help you navigate through the conflicting opinions about retirement strategies to choose your right path.- Learn about investment and insurance tools that may best resonate with your personal style.- Determine if you are financially prepared for retirement by quantifying your financial goals (annual spending, legacy, and reserves for the unexpected) and comparing them to your available assets.- Make smart decisions for when to start Social Security benefits, which could potentially support an additional $100,000 or more of lifetime income from Social Security.- Develop a plan for making the best initial and ongoing choices from the alphabet soup of Medicare options, as well as how to find health coverage if you retire before Medicare eligibility.- Assess where you wish to live in retirement and whether there are helpful ways to incorporate housing wealth into your retirement strategy.- Decide how to manage your long-term care risk between self-funding, Medicaid, or private insurance, and take steps to support living at home for as long as possible.- Understand how to manage your taxes to pay less, to avoid common pitfalls, and to have more for your lifetime and your legacy. You will be able to apply tax diversification, asset location, tax bracket management, and Roth conversions to enhance the sustainability of your retirement assets.- Get your finances organized and understand how to get your estate and incapacity planning documents in order, including your will, account titling, beneficiary designations, financial power of attorney, and advance health care directives.- Identify whether there is a role for trusts in your estate plan for reasons related to avoiding probate, controlling how and when assets are disbursed, obtaining creditor protections, or helping to manage estate taxes.- Prepare for the non-financial aspects of retirement, including the need to find purpose and passion, to understand if there is a role for work in retirement, to enhance relationships and social connections, and to maintain an active and healthy lifestyle.Retirement has an entire vocabulary associated with it. We’ll demystify the 4% rule, sequence-of-return risk, time segmentation and buckets, reverse mortgages, income annuities, variable annuities, fixed index annuities, long-term care insurance, living trusts, irrevocable trusts, budgeting, the funded ratio, Medicare Advantage, Medicare supplements, diversified investment portfolios, Roth conversions, the hazards of the Social Security tax torpedo and increased Medicare premiums, buffer assets, 401(k) plans and IRAs, the rollover decision, distribution options for defined-benefit company pensions, required minimum distributions, qualified charitable distributions, aging in place, cognitive decline, and so much more.The Retirement Planning Guidebook does not let important matters fall through the cracks. This is a comprehensive look at the key retirement decisions to achieve financial and non-financial success. You will have the foundation to make the most of your retirement years, and I hope you’ll be able to do something great!

How to Retire Happy, Wild, and Free offers inspirational advice on how to enjoy life to its fullest. The key to achieving an active and satisfying retirement involves a great deal more than having adequate financial resources; it also encompasses all other aspects of life -- interesting leisure activities, creative pursuits, physical well-being, mental well-being, and solid social support.World-class author and innovator Ernie J. Zelinski guides you to:Gain courage to take early retirement; in fact, the earlier the better. Put money in proper perspective so that you don't need a million dollars to retire. Generate purpose in your retirement life with meaningful creative pursuits. Follow your dreams instead of someone else's. Take charge of your mental, physical, and spiritual health. Better envision you retirement goals -- including where you want to live. Above all, make you retirement years the best time of your life.What sets this retirement book apart from all the others is its holistic approach to the fears, hopes, and dreams that people have about retirement. This international bestseller (over 110,000 copies sold in its first edition) goes way beyond the numbers that is often the main focus of retirement planning in most retirement books.There are many ingredients of a happy retirement and several retirement planning tools that help retirees plan for their retirement in new and more meaningful ways. One of the most powerful tools is The Get-a-Life Tree that you won't find in any other retirement books.In short, the retirement wisdom in this book will prove to be much more important than how much money you have saved. How to Retire Happy Wild, and Free helps readers create an active, satisfying, and happy retirement in a way such that they don't need a million dollars to retire.

The thrilling #1 bestselling memoir by adventure legend and survivalist Bear Grylls.Bear Grylls has always sought the ultimate in adventure. Growing up on a remote island off of Britain's windswept coast, he was taught by his father to sail and climb at an early age. Inevitably, it wasn't long before the young explorer was sneaking out to lead all-night climbing expeditions.As a teenager at Eton College, Bear found his identity and purpose through both mountaineering and martial arts. These passions led him into the foothills of the mighty Himalayas and to a karate grandmaster's remote training camp in Japan, an experience that soon helped him earn a second-degree black belt. Returning home, he embarked upon the notoriously grueling selection course for the British Special Forces to join the elite Special Air Service unit 21 SAS—a journey that would push him to the very limits of physical and mental endurance.Then, disaster. Bear broke his back in three places in a horrific free-fall parachuting accident in Africa. It was touch and go whether he would walk again, according to doctors. However, only eighteen months later, a twenty-three-year-old Bear became one of the youngest climbers to scale Mount Everest, the world's highest summit. But this was just the beginning of his many extraordinary adventures. . . .Known and admired by millions as the star of Man vs. Wild, Bear Grylls has survived where few would dare to go. Now, for the first time, Bear tells the story of his action-packed life. Gripping, moving, and wildly exhilarating, Mud, Sweat, and Tears is a must-read for adrenaline junkies and armchair explorers alike.

NOW COMPLETELY UPDATED to reflect the changes in tax legislation, health insurance, and the new investment realities. In this “highly valuable resource” (Publishers Weekly, starred review) Quinn “provides simple, straightforward” (The New York Times) solutions to the universal retirement dilemma—how to make your limited savings last for life—covering mortgages, social security, income investing, annuities, and more!Will you run out of money in your older age? That’s the biggest worry for people newly retired or planning to retire. Fortunately, you don’t have to plan in the dark. Jane Bryant Quinn tells you how to squeeze a higher income from all your assets—including your social security account (get every dollar you’re entitled to), a pension (discover whether a lump sum or a lifetime monthly income will pay you more), your home equity (sell, rent, or take a reverse mortgage?), savings (how to use them safely to raise your monthly income), retirement accounts (invest the money for growth in ways that let you sleep at night), and—critically—how much of your savings you can afford to spend every year without running out. There are easy ways to figure all this out. Who knew?Quinn also shows you how to evaluate your real risks. If you stick with super-safe investment choices, your money might not last and your lifestyle might erode. The same might be true if you rely on traditional income investments. Quinn rethinks the meaning of “income investing,” by combining reliable cash flow during the early years of your retirement with low-risk growth investments, to provide extra money for your later years. Odds are, you’ll live longer than you might imagine, meaning that your savings will stretch for many more years than you might have planned for. With the help of this book, you can turn those retirement funds into a “homemade” paycheck that will last for life.

The Washington Post and New York Times Business Bestseller“Everyone in the workforce today should read this book!”―HORACE B. DEETS, FORMER EXECUTIVE DIRECTOR, AARP“Want excellent insights on retirement planning from a professional who’s actually experienced retirement himself? You’ll get just that from Stan Hinden’s book.”―STEVE VERNON, COLUMNIST“Provides the most important information you’ll need before and during your retirement.”―MICHELLE SINGLETARY, THE WASHINGTON POSTAward-winning Washington Post retirement columnist Stan Hinden’s bestselling How to Retire Happy, Fourth Edition, helps you make the right decisions to ensure a happy, healthful retirement. It delivers all the expert advice you need in an easy-to-understand step-by-step style. How to Retire Happy includes everything that has made previous editions the go-to guides for retirees and near-retirees, plus: Brand-new material on health insurance and the prescription drug plan The facts about Medicare Part A (hospital), Part B (tests, doctors, preventive care), and Part D (prescription drugs) The author’s personal experiences with the realities of long-term Alzheimer’s care Fully updated material on Social Security strategies How to handle the financial realities of the post-meltdown economy New resources you can turn to for extra advice

AS SEEN ON PUBLIC TELEVISIONThe complete action plan from Ed Slott, "the best source of IRA advice" (Wall Street Journal), to help you make sure your 401(k)s, IRAs, and retirement savings aren't depleted by taxes by the time you need to use them.If you're like most Americans, your most valuable asset is your retirement fund. We diligently save money for years, yet most of us don't know how to avoid the costly mistakes that cause a good chunk of those savings to be lost to needless and excessive taxation. Now, in the midst of a financial crisis, there is more need than ever to protect your assets. The New Retirement Savings Time Bomb, by renowned tax advisor Ed Slott, shows you in clear-cut layman's terms how to take control over your retirement savings plan. This easy-to-follow plan helps you place your assets to avoid the latest traps set out by congress in addition to any that might be set down the road, so you can keep your hard-earned money no matter what. And, it's fully up-to date with information on the SECURE Act and everything you need to know about how the coronavirus relief bills will affect your savings down the road. This book is required reading for every American with savings and investments who is planning to retire, be it five years from now or fifty.

The financial complexities we face in retirement can be daunting. The landscape of Social Security, Medicare, insurance, benefits, investments, and planning for long-term care presents many choices, challenges, and opportunities. The Complete Cardinal Guide gives you the tools you need to understand how to make informed decisions that are right for you.The purpose of this book is to guide you through the major retirement options that retirees face. It explains simple and effective strategies you can put in place now, with the help of professionals, to make your retirement financially successful.Hans "John" Scheil is a Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®), Certified Financial Planner (CFP®), and Chartered Advisor for Senior Living (CASL®) with 40 years of experience. He started Cardinal Retirement Planning in 2013 as an independent financial planning firm to offer comprehensive services to people approaching and in retirement.

FULLY UPDATED for the 2024 Tax Laws, Tax Tables, and MOREIn planning for retirement, “Income… is the outcome that matters."“Income… is the outcome that matters."Tony Robbins, world-famous speaker, motivator, and author of the best-selling book “MONEY Master the Game," wrote that epic sentence. Among other topics, his book stresses the importance of “setting up a lifetime income plan.”Tony is 100% correct, but 75% of retirees do not have a retirement plan at all. Not even a bad plan.“If you fail to plan, you are planning to fail!”―Benjamin FranklinIs your current plan to wing it? See how it goes? Hope for the best?There are only two possible doors to go through at retirement.Door #1 is that your MONEY will outlive you.Door #2 is that YOU will outlive your money.There is NO 3rd door!My book describes how to form a 30-plus-year monthly cash-flow retirement plan based not on speculation, hopes, or dreams but on as much certainty and predictability as possible.I have been a practicing Certified Financial Planner for more than 20 years. I’ve been building hundreds of easy-to-understand, written retirement income plans for clients across the U.S.A. It is that long and varied professional experience that formed the seeds of my 2nd book.This book is written for people within ten years of retirement OR who are already retired and looking for a better “plan.”With lots of educational retirement planning information spread throughout the book, it culminates into 3 example client lifetime income plans that show how combining Social Security, any pensions, investments, and insurance can help you enjoy an increasing lifelong income while reducing the top 5 retirement risks. What are those risks?Those top 5 retirement risks that too few people are actually planning for are: inflation, stock and bond market risks, rising health care costs, the likelihood of higher taxes, and the granddaddy of them all—living too long.It’s really all about creating a dependable and increasing lifetime monthly cash flow that gives one true financial freedom and peace of mind—during what could likely be a 30-plus-year retirement.Rather than “Asset Allocation,” which most planners talk about, I devote the bulk of my practice (and writing) to “Income Allocation” and “Strategy Allocation.”These can dramatically reduce the top 5 risks people will face in retirement.Again, it comes down to: “Income… is the outcome that matters.” For most Americans, it’s the ONLY outcome that matters.My —Retirement Income Planning— book explains many smart and safe retirement planning strategies and ideas to accomplish that. It covers the bases that you need to know to help avoid making a planning mistake and help make sure that you go through Door #1.Many books on this subject are written by writers, not actual practicing financial planners who are taking care of real people with real money and their retirement dreams.Get educated on the “real world” of retirement income planning from a planner who works in the trenches every day.“If you fail to plan, you are planning to fail!”FULLY updated for 2024, including both the 2024 Tax Tables and Medicare info and the SECURE Act 2.0!

This is your retirement wake-up call. In Retire Inspired Chris Hogan will transform the way you think about your future. Learn how to make smart decisions now to help you live your retirement dreams.You don’t have to retire broke, stressed, and working long after you want to. Whether you’re twenty-five or fifty-five, Retire Inspired will equip you with a plan to: Evaluate and change your current money situation Make wise investing decisions Set reasonable retirement expectations Build a dream team of experts to help you succeed

Preparing Heirs discloses the surprising findings from the authors' research into the legacies of 3,250 wealthy families. With extraordinary insight, they reveal what the relatively small number of successful families had in common-how they achieved and maintained family harmony, and ensured the smooth transition of their wealth to well-adjusted heirs. They also warn of the wide range of factors that cause the majority of wealthy families to fail in their transition. Preparing Heirs offers clear, concise, well-organized, and easy-to-follow instructions that will enable you to evaluate your plan for transitioning family wealth. Preparing Heirs is an assessment tool that can be used in conjunction with the services of qualified professionals such as attorneys and accountants. It addresses the major causes for the 70% failure rate in estate transitions, which lie within the family itself and are within the family's control. This book can help you develop a plan to transmit the family values underlying the accumulation of wealth and prepare your heirs to be good stewards and thoughtful administrators of that wealth.

You've worked hard, lived carefully, and saved diligently. You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. “Can I retire?” This book will help answer that question by showing you…. The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security’s role in your retirement: when you should claim and how much it’s worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical retirement fuel gauge alerting you to problems while you still have time to act Backup plans: the lifeboat strategies for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later

From the #1 independent financial advisor in America, ranked three times by Barron’s: a guide to making the most of your retirement plans and assuring long-term financial security.Everyone knows that saving for your retirement is important. Yet only half of all eligible Americans contribute to a retirement plan. That’s because all plans—including the 401(k), 403(b), 457, and even the IRA—are complicated, confusing, and costly. New York Times bestselling author and acclaimed financial advisor Ric Edelman has counseled thousands of savers and retirees and has accumulated his advice in this book.Edelman has created a step-by-step guide. With illuminating prose and simple explanations, he shares everything you need to know as a plan participant: how to contribute even when you think you can’t afford to, how to make wise choices among your investment options, and how to convert your 401(k) into income so you can provide yourself with the lifestyle you want in retirement. Along the way, he debunks the myths and clears up the confusion.

A practical action guide for financial independence and early retirement from the popular Our Next Life blogger.In today's work culture, we're expected to hustle around the clock. But what if you could escape the traditional path and get on one that doesn't require working full-time until age 65? What if you could wake up every day without an alarm clock and do the things you love most?Tanja Hester and her husband Mark left their crazed careerist lifestyle to live their dream life in Lake Tahoe, retiring early from high-stress careers. Now Tanja will help you map out a customized plan for freedom and make it easy to succeed, whether you're good at math and budgeting -- or not!Work Optional is more than just a financial plan: it's a plan for your whole life -- designed by you, not by an employer or clients. Tanja walks you through envisioning your dream life, accounting for variables such as health care and children, protecting yourself from recessions and future unknowns, and achieving a purpose-filled early retirement, semi-retirement, or career intermission with completely doable, non-penny-pinching steps.You can live a happier, more meaningful life, free from the daily grind. Regardless of where you are in your career, Work Optional will get you there.

Named by U.S. News and World Report as a Top 10 Retirement Planning Book for 2023AMAZON BEST SELLER IN WEALTH MANAGEMENTAMAZON BEST SELLER IN RETIREMENT PLANNINGWorry less. Plan more.Do you want a secure retirement, free from worry, stress, and confusion? The Bucket Plan is a must-read book for anyone serious about creating a practical and sensible financial plan for his or her retirement years. The financial planning process outlined in this book — newly updated in 2023 — is based on a three-bucket philosophy of strategically positioning assets to plan for and mitigate the risks and dangers that can occur in retirement.Readers will learn:• The three biggest dangers for your financial future and how The Bucket Plan® helps protect from them• A formula for calculating whether you will have an income deficit and, if so, how much money is needed to prevent it• A surefire way to avoid taking on too much investment risk on money you may need in the near future• Much, much moreWhen readers strategically allocate their money using Jason L Smith's three-bucket philosophy, they can create a plan that mitigates risk and offers an opportunity for growth into the future, allowing them to feel more secure about retirement.

Transform your financial life and accelerate your path to financial freedom with this step-by-step playbook to achieving your financial goals from the #1 New York Times bestseller of Money: Master the Game, Tony Robbins.Robbins, who has coached more than fifty million people from 100 countries, is the world’s #1 life and business strategist. In this book, he teams up with Peter Mallouk, the only man in history to be ranked the #1 financial advisor in the US for three consecutive years by Barron’s. Together they reveal how to become unshakeable—someone who can not only maintain true peace of mind in a world of immense uncertainty, economic volatility, and unprecedented change, but who can profit from the fear that immobilizes so many.In these pages, through plain English and inspiring stories, you’ll discover…-How to put together a simple, actionable plan that will deliver true financial freedom.-Strategies from the world’s top investors on how to protect yourself and your family and maximize profit from the inevitable crashes and corrections to come.-How a few simple steps can add a decade or more of additional retirement income by discovering what your 401(k) provider doesn’t want you to know.-The core four principles that most of the world’s greatest financial minds utilize so that you can maximize upside and minimize downside.-The fastest way to put money back in your pocket: uncover the hidden fees and half truths of Wall Street—how the biggest firms keep you overpaying for underperformance.-Master the mindset of true wealth and experience the fulfillment you deserve today.No matter your salary, your stage of life, or when you started, this book will provide the tools to help you achieve your financial goals more rapidly than you ever thought possible.

New and Revised for 2020!"This book is the best I've seen on how to navigate the retirement savings questions." (Forbes)"One of the best retirement planning books of all time" (BookAuthority.Org)"The Best Retirement Planning Books For 2020" (Benzinga.com)Learn how retirement really works before it's too late…Most so-called "experts" plug your numbers into a retirement formula to tell you how much money you need to retire. Unfortunately, the conventional approach is fundamentally flawed. If you fail to learn how retirement savings truly works, then you'll either underspend and be miserable or overspend and run out of money.How Much Money Do I Need to Retire takes you beyond the scientific facade of modern retirement planning. Author and former hedge fund manager Todd R. Tresidder has helped thousands of people find financial freedom through his website and podcast. Now you too can use his advice to take the guesswork out of your retirement planning.In this book, you'll learn: Why the best way to describe most retirement estimates is garbage-in/garbage-out The five critical assumptions that can destroy your financial security How to reduce the amount you need to retire by as much as $600,000 Three strategies to maximize spending today while protecting for the future How to calculate the amount of money you really need to retire on the first try without software, online calculators, or being a math genius“I agree wholeheartedly with his various conclusions here.” (Wade Pfau, Ph.D, CFA, Professor of Retirement Income, American College)“Top 5 Best Books About Saving For Retirement” (FunnyManFinance.Com)“12 Books That Will Make You a Financial Expert in One Year” (ESIMoney.Com)Read this book to know more about your retirement planning than your financial adviser. Tresidder's book contains refreshingly straightforward, easy-to-understand, and concise advice on how to retire wealthy. This missing link of personal finance books will make you sleep easier. No retirement is secure without it.Buy the book today so you can retire with confidence!