Retire on Less Than You Think PDF Download

Author: Fred Brock
Publisher: Macmillan
ISBN: 1429900199
Category : Business & Economics
Languages : en
Pages : 240

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Book Description
The bestselling, hands-on retirement guide from Fred Brock, thoroughly updated and expanded for in-depth advice on housing assets, health-care options, and more With Retire on Less Than You Think, Fred Brock challenged the conventional wisdom on the real costs of retirement— and it struck a chord with Americans. Now, as mutual-fund investments continue to be a roller coaster, Brock updates his indispensable advice on finding asset streams, working during retirement, maximizing your health insurance, and choosing a community and housing to show how to • manage the quicksand of the housing market (your best asset) • pay for the spiraling costs of prescription drugs • discover new cost-cutting savings • plan for shifts over time in your financial goals Boasting expanded resource lists and worksheets, Retire on Less Than You Think is the best guide available for making your retirement dreams a reality.

Author: Harriet Edleson
Publisher: Rowman & Littlefield
ISBN: 1538114755
Category : Business & Economics
Languages : en
Pages : 153

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Book Description
Learn how to save and prepare for retirement no matter your age or your income. 12 Ways to Retire on Lessoffers a roadmap for anyone seeking financial security and peace of mind for their retirement years ahead, regardless of savings or income in the present moment. In a time when fewer retirees have the kind of pension many of their parents had, those looking to retire can be especially vulnerable. But here, the author outlines those steps people can take to ensure their security and enjoy those activities they look forward to in the future. Offering case studies and actionable steps in the form of bullet points, questions and lists, the book focuses on the importance of planning and analyzing one’s total financial picture in the context of goals, hopes, and dreams.

Author: Wes Moss
Publisher: McGraw Hill Professional
ISBN: 0071839038
Category : Business & Economics
Languages : en
Pages : 289

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Book Description
From Wes Moss--named by Barron's as one of America's top financial advisors "The keys that Wes Moss identifies to having a happy retirement are simple but brilliant. Read this book." -- Clark Howard, #1 New York Times bestselling author of Living Large in Lean Times “Financial planner Wes Moss offers you something different—not just a plan to retire, but a way to do it sooner and to be happy when you do." – Atlanta Journal Constitution If you think you need to win the lottery or work until you’re 75 to retire with financial stability, Money Matters host Wes Moss has very good news for you. You Can Retire Sooner Than You Think reveals the secrets for ensuring a successful retirement—sooner rather than later. After conducting an intensive study of happy retirees to learn the financial practices they hold in common, Moss discovered that it doesn't take financial genius, millions of dollars, or sophisticated investment skills to ensure a safe, solid retirement. All it takes is five best practices: Determine what you want and need your retirement money for Figure out how much you need to save Create a plan to pay off your mortgage in as little as five years Develop an income stream from multiple sources Become an income investor Getting on the fast track to a great retirement is a lot simpler than the retirement professionals would have you believe. You Can Retire Sooner Than You Think provides the proven-effective, five-step formula for creating the retirement of your dreams.

Author: Wes Moss
Publisher: McGraw Hill Professional
ISBN: 1264269277
Category : Business & Economics
Languages : en
Pages : 284

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Book Description
The bestselling author of You Can Retire Sooner Than You Think and host of Money Matters reveals the 10 essential habits for a rich, rewarding, and blissful retirement. What does it take to have a truly happy retirement? Is it money? A mortgage-free home? An active social life? A long-lasting marriage—or maybe a new one? Finance expert, author, and radio host Wes Moss asked more than 2,000 of the nation’s happiest retirees to find out—and their answers may surprise you. Through a series of revealing surveys, Moss noticed a pattern of distinct, recognizable habits that the happiest retirees shared, from the simplest of lifestyle choices to the smartest of financial strategies. These are the kinds of habits anyone can develop—the perfect road map to a healthy, secure, and joyful retirement—sooner. Whether you’re already retired or just starting to make plans, these 10 simple actions and attitudes can make a profound difference in every aspect of your life. The book is packed with hard-won wisdom and invaluable advice on how to make little changes now that will have the biggest impact later. It’s filled with proven ways to develop smarter habits with: Money (“Think river, not reservoir”); Family (“Get your kids off your payroll”); Housing (“Live mortgage-free”); Investing (“Be a tomorrow investor”); Spending (“Be pound wise—so you can be penny foolish”); and much more. With these 10 transformational habits, you can stop obsessing over money, stay socially connected, and start enjoying your new life—as the happiest retiree on the block.

Author: Bill Perkins
Publisher: Houghton Mifflin
ISBN: 0358099765
Category : Business & Economics
Languages : en
Pages : 243

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Book Description
"A ... new philosophy and ... guide to getting the most out of your money--and out of life--for those who value memorable experiences as much as their earnings"--

Author: Mike Piper
Publisher: Simple Subjects
ISBN: 9780997946505
Category : Business & Economics
Languages : en
Pages : 122

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Book Description
Find all of the following, explained in plain-English with no technical jargon: How to calculate how much you'll need saved before you can retire How to use annuities to minimize the risk of outliving your money How to choose which accounts (Roth vs. traditional IRA vs. taxable) to withdraw from each year When it makes sense to use a Roth IRA conversion to save on taxes How to choose an appropriate asset allocation for your retirement portfolio How to minimize taxes by proper use of an asset location strategy How to reliably pick winning mutual funds

Author: Carrie Schwab-Pomerantz
Publisher: Crown Currency
ISBN: 0804137374
Category : Business & Economics
Languages : en
Pages : 434

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Book Description
Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

Author: Tanja Hester
Publisher: Hachette Books
ISBN: 0316450871
Category : Business & Economics
Languages : en
Pages : 235

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Book Description
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 Optionalwill get you there.

Author: Fred Brock
Publisher: Macmillan
ISBN: 1429900202
Category : Business & Economics
Languages : en
Pages : 200

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Book Description
A smart, down-to-earth primer on financial survival-and prosperity-in today's uncertain economy, from the author of the bestselling Retire on Less Than You Think With Retire on Less Than You Think, New York Times business columnist and editor Fred Brock challenged the conventional wisdom on the real costs of retirement. Now he turns his attention to the hype that is driving money decisions during the working years-credit card debt, health care costs, stagnant wages-and shows how it is possible for all of us to build a secure and prosperous household on less than we think. Brock offers his distinctive brand of savvy, real-world advice, including how to - assess the real money value of your job based on commuting costs, benefits, and job market opportunities - get the most out of location, from tax savings and living costs - minimize your housing costs while maximizing your assets - manage major expenses, like college tuition and cars - cut expensive habits and pay attention to the "little" things to boost your savings - get to the bottom line on insurance - play the credit card game to your advantage Brock shows readers how to analyze their true costs of living so that they can live debt- and worry-free while enjoying themselves and securing their future. A substantial list of national, regional, and online resources as well as work sheets once again give readers the tools to customize and realize their financial plans.

Author: Todd Tresidder
Publisher: Financialmentor.com
ISBN: 9781939273062
Category : Business & Economics
Languages : en
Pages : 236

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Book Description
Learn how retirement really works before it's too late... "This book is the best I've seen on how to navigate the retirement savings question." (Forbes) 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 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!