Retirement Planning Books

		If you've ever dreamed of retiring early to travel the world and pursue your own interests, then this book is for you. We retired from full-time work at the age of 43. In this book we share with you the roadmap we followed to get from full-time work to financial independence in less than 15 years. If we can do it, so can you! What makes this book different from all the other books out there on early retirement? We think it's the amount of personal financial detail we provide. We don’t hold back! You can use this information as a kind of financial yardstick to measure what you can achieve in your own life. If we can empower you to stop dreaming and start planning, to stop wishing and start willing your early retirement into existence, we’ll have done what we set out to do in this book.

		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.

		Early Retirement Extreme provides a robust strategy that makes it possible to stop working for money in just a short number of years. It provides a paradigm shift in economic perspective from consuming to producing. Your value to society is not how much you earn or how much you buy. It is what you create and produce for yourself and for others. It is what you leave, not what you take. Consumers are often locked into expensive options, but producers have the flexibility to create appropriate solutions at a quarter of the cost. The resulting savings (the difference between income and expenses) is one's monetary contribution to society. When savings are put to work through investments, society will pay dividends which cover the remaining expenses resulting in financial independence. The strategy can also be used to pay off debt, travel the world, volunteer, go back to school, or work on otherwise nonprofitable endeavors without worrying about the next paycheck. It offers a compelling alternative to the default choice of graduating high school, getting a college degree, buying a car, getting married, buying a house, filling it with furniture, clothes, TVs, washing machines, lawn mowers, and electric egg boilers, and then spending the next 40 years working 9-5 to pay it all off.

		Ernie Zelinski could change your view of the world forever. He has taught more than 200,000 people what "The Joy of Not Working" is about: learning to live every part of their lives work and play, employment, and retirement alike to the fullest. In this completely revised and expanded edition, you too can join the thousands of converts and learn how to thrive at both work and play.

		In today's economy, people are seeing their retirement base the principle they are using to fund their future eroding or disappearing. Retiring early has truly become an impossible dream to many as they struggle to pay house mortgages and medical bills. On the other hand, retired people are finding themselves forced back to work, spending long hours on low paying jobs working midnight shifts just to make ends meet. These are tough times, whether you live in the UK, Germany, France, Canada, the States or other affluent country. For those struggling to pay their bills, the thought of retiring early is ludicrous. And then there are the idiots like me gloating that they retired at 45. "He got lucky a good paying job...won the lottery...inherited money... Wrong. The fact is, for most of us, our situation in life is not the issue preventing us from retiring early. The issue is: fear of the unknown, lack of knowledge on what can make an early retirement possible, and the government's very persistent message that to be truly successful you have to work work work, pay lots of taxes, own your dream home and retire with no less than XXX in your bank account (a million is the usual suggested amount for those in Canada or the States). Is it possible for the average middle aged working Joe and Jane struggling to pay their mortgages retire early (as in VERY early) and live comfortably? YES.

		Learn how to accelerate your financial independence: What you must know to retire sooner. The single most important factor for monitoring and achieving financial independence. The potential retirement lifestyles, and how much they will cost you. Secrets to controlling inflation in your lifestyle. The essential money tools for achieving financial independence. A quick introduction to safe, simple passive index investing. How soon you could actually retire: the critical relation between savings rate and working years. A gold mine of proven tips for cutting expenses and spending less. The 4 proven strategies for boosting income and building wealth.

		Retire Early Sleep Well is a concise yet thorough guide to modern portfolio theory, asset allocation and retirement planning for young and old. This newly revised and expanded second edition provides updated information about asset and portfolio performance; and a substantially expanded discussion of asset allocation. Very popular in its first edition, Retire Early Sleep Well is widely recommended to both experienced and beginning investors of all ages. Its straight-to-the-point, plain english style distills complex topics into their essentials, and its practical advice is easy to follow.

		"Are You Emotionally Ready To Retire?" It's not a question that only Baby Boomers are asking, but also a question that all ages should be asking.What author Beverly Lessard discovered through her own experiences as well as those of the people she interviewed, was that to be happily retired required more than a party and sleeping until ten o'clock the next morning.As one man remarked, "you need to retire TO something, not FROM something".And the happiest retirees did just that.

		A comprehensive guide to planning your 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.

		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.

		Do you want to transition from career to retirement, but aren't sure how to make it work? Sound Retirement Planning offers the answers you're looking for. Respected Financial Adviser Jason Parker offers steps to help you move from career to retirement with clarity, confidence and freedom. With straightforward advice, Parker helps you plan a retirement based on what's important to you — your personal values, your relationships, as well as your financial goals. This book helps you: Focus your retirement planning on what is most important to you. Outpace inflation. Provide income for life. Reduce stock market volatility. Protect against an unforeseen health care event. Maximize your Social Security income. Get your legal documents in order. Tax planning tips. Maximize your cash flow. Reduce your fees. Diversify your accounts to adjust to this new economy.

		Let's start with what this book is not. This book is not an "introduction to investing" book. Millions of those are out there, and they typically put people to sleep. Therefore, this book is not going to explain: What is a stock? What is a mutual fund? How do you create a family budget? Yada, yada, yada. This book was written for the millions of people who could be called the "mass affluent"--those hardworking, successful individuals and families who have managed to accumulate $500,000 to $10,000,000, and those who are focused upon working toward that kind of affluence. Through meetings with hundreds of current and prospective clients, we have seen how people accumulate small fortunes, and then frequently lose a good portion of them through bad investments and poor planning.

		The Bogleheads are back-with retirement planning advice for those who need it! Whatever your current financial situation, you must continue to strive for a viable retirement plan by finding the most effective ways to save, the best accounts to save in, and the right amount to save, as well as understanding how to insure against setbacks and handle the uncertainties of a shaky economy. Fortunately, the Bogleheads, a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, are here to help. Filled with valuable advice on a wide range of retirement planning issues, including some pearls of wisdom from Bogle himself, The Bogleheads' Guide to Retirement Planning has everything you need to succeed at this endeavor.

		Updated for 2014, Black and White Edition. This is an educational text on financial planning, and more specifically, retirement planning. In order to have a successful retirement, you must have a plan that allows you to identify risks, reduce taxes, find good investments, understand insurance, save for education, and manage your estate planning. Preparing for Retirement does this with a 160 page guide that is full of easy to read charts, examples, and an appendix of commonly used financial planning forms. Whether you have managed your money for decades or you're new to financial planning, this 2014 edition of Preparing for Retirement provides the information and techniques needed to successfully create and maintain a financial plan.

		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.

		It seems so simple, doesn’t it? Plug a few numbers into a retirement calculator and presto! You have an accurate answer for how much money you need to retire. Unfortunately, it doesn’t work that way. The conventional approach used by experts to determine how much money you need to retire is fundamentally flawed. The worst part is you won’t even know it until it’s too late. This book takes you behind the scientific facade of modern retirement planning to reveal: Why most estimates for how much you need to retire are a case of garbage-in garbage-out causing you to either overspend and run out of money or underspend so that you never get to enjoy your savings. The 5 critical assumptions that can destroy your financial security. Which one are you making? 3 models for estimating how much money you need to retire (your financial planner only knows 1 and it’s not the best). How to reduce the amount you need to retire by $300,000–$600,000 or more. How to plan for inflation, changes in Social Security, and much more so you don’t run out of money before you run out of life. 7 creative ways to spend less while also improving lifestyle. 3 strategies to maximize spending today while protecting for the future in case you live longer than expected. How Monte Carlo calculators cause a dangerous deception that can leave you broke. Explains step-by-step how to accurately calculate the amount of money you need to retire—the very first time you try, simply, and without being a math genius. No computer, software, or online calculator necessary—it’s that simple.

		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.