The Buckets of Money Retirement Solution

To win at the retirement game, you need to know your financial goals, divvy up your money accordingly, and then invest intelligently. With this book as your guide, you'll learn how to achieve both income and growth, while reducing risk.

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Author: Raymond J. Lucia

Publisher: John Wiley & Sons

ISBN: 9780470581575

Category: Business & Economics

Page: 240

View: 420

Investors, shell-shocked by the "Great Recession" of 2008-2009, are looking for answers, for something fresher than the old 'buy-and-hold' mantra. They hunger for stability, yet yearn for growth to rejuvenate their battered portfolios. Ray Lucia's The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life provides just that—a reassuring and scientifically proven strategy that gives investors both growth and income. Lucia, a Certified Financial Planner who's helped thousands of people invest more than $2 billion, explains how to spend down 'safe' buckets (containing, for example, Treasuries, CDs, bonds), while leaving a riskier bucket (real estate, stocks and alternative investments) to grow long-term. This strategy shields investors from the short-term ups and downs of the market. And it gives them the courage and discipline to stay invested no matter what the future holds. Written in a breezy, accessible style and loaded with tons of examples and clear, specific calculations, the book explains how to set your financial goals, divvy up your money accordingly, and then invest intelligently. With this book as your guide, readers will learn how to achieve both income and growth while at the same time reducing risk. "All in all," Lucia writes, "this plan is akin to a sports car that seats six, approximating the best of both worlds. In this case by being a conservative strategy that’s also growth-oriented." Almost every kind of investment—stocks, bonds, commodities, real estate—plunged in the past year or two, turning off millions of investors who'd been planning for and counting on a reasonably comfortable retirement. These retirees or near-retirees need solutions ... something fresher than the old 'buy-and-hold' mantra. Yet here's what they hear from the financial-services industry: Set up an asset-allocation model, then take a systematic withdrawal to support your retirement ... remembering, of course, to rebalance the accounts to remain in sync with the model. Wrong! That maximizes the advisors' fees but doesn't protect the investors' assets during the tough times.

The 7 Solution

You CAN afford a comfortable retirement. If you enjoy working in your garden, in your kitchen or in your garage, you will enjoy managing your retirement portfolio.

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Author: John H. Graves

Publisher: John Graves

ISBN: 9780983573128

Category: Business & Economics

Page: 269

View: 124

You CAN afford a comfortable retirement. If you enjoy working in your garden, in your kitchen or in your garage, you will enjoy managing your retirement portfolio.

Paychecks and Playchecks

Paychecks and Playchecks: Retirement Solutions For Life is a guide for retirement that is built for uncertain markets like the one we are in today.

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Author: Tom Hegna

Publisher:

ISBN: 098421738X

Category: Business & Economics

Page: 240

View: 460

"Paychecks and playchecks is a guide for retirement that is built for uncertain markets like the one we are in today. The strategy is a mathematically and scientifically proven approach that will enable you to create a secure retirement, no matter how long you live."--Page 4 of cover.

The Retirement Marvel

Take a few minutes to read this book and place your family in the best position possible as you learn about The Retirement Marvel.

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Author: Michael Blaker

Publisher:

ISBN: 1727439260

Category:

Page: 54

View: 493

Jonathan Bales was a hard-working family man. He did everything he knew to provide for his family and ensure they'd be taken care of when he passed away. The problems began to appear the week after his death. In this parable, you'll learn about the five financial foes that wreaked havoc on the Bales family. These five menaces are the uninvited, unexpected, unintended, unpredictable, and unprepared aspects of your life and your financial plan. You'll also learn about the solution to these foes as Mr. Bales explains what he should have done and what you still have time to do. Take a few minutes to read this book and place your family in the best position possible as you learn about The Retirement Marvel.

The Retirement Solution Cutting Through the Financial Lies Junk and Misinformation

In -The Retirement Solution, Jon Hicks describes how five different - financial storms are converging to form one "perfect storm" with the capability to completely wipe you out.

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Author: Jon Hicks

Publisher:

ISBN: 1734258322

Category: Business & Economics

Page: 162

View: 515

THERE'S A STORM COMING If you want to weather the impending storm with anything left over, you need to be prepared. In ­The Retirement Solution, Jon Hicks describes how five different ­ financial storms are converging to form one "perfect storm" with the capability to completely wipe you out. The storms are as follows: - Storm #1: Our country is flat broke, which means taxes will--not may--go up. - Storm #2: We've bought too much crap on credit, and we'll soon be getting a call from the debt collector. It's time to pay up. - Storm #3: Wall Street is selling us junk. It's taking our money, wrapping it up, and selling it to the next guy. - Storm #4: We've lost our pensions, which used to be our security blankets. Without them, we're standing naked in the cold. - Storm #5: We are emotionally wired to lose money. Time and again, we are doomed to see our feelings betray us. Chapter by chapter, Jon will detail each storm so you have the information you need to protect yourself and your loved ones from a disaster. Stop listening to the talking heads on TV. By utilizing the help of a­ fiduciary--an advisor who truly has your best interests in mind--you can avoid your own perfect ­financial storm.

The Bucket Plan

The financialplanning process outlined in this book 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.

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Author: Jason L Smith

Publisher: Greenleaf Book Group

ISBN: 9781626344617

Category: Business & Economics

Page: 160

View: 751

Worry 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 financialplanning process outlined in this book 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 more When readers strategically allocate their money using Jason 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.

Happily Ever After

Happily Ever After doesn't have to be just a fairytale anymore This book was written with the current retiree in mind.

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Author: Jim Black

Publisher: Advantage Media Group

ISBN: 9781599323053

Category: Business & Economics

Page: 132

View: 277

Happily Ever After doesn't have to be just a fairytale anymore This book was written with the current retiree in mind. It is one of the first books to recognize that once you get that last paycheck from your employer (the last paycheck for the rest of your life), you need to start seeing your money differently. One of the biggest fears of most retirees or those preparing for retirement is that they may run out of money before they die. That fear can be greatly reduced by following the simple, easy to implement strategies and plan that Jim Black shares in this book. As a retiree, you have spent 40 years or more saving and accumulating assets for retirement. Yet a single down year in the stock market can change your retirement forever. Most retirees think that they need to choose between growth and income, or risk and return, but Jim Black will show you that those options are not mutually exclusive. Using real life examples and humor, Black has created a process that helps retirees overcome their basic fears. He has done this in a manner that anyone, regardless of their financially sophistication, should be able to implement for themselves. By reading this book and implementing the strategies, you will greatly increase your chances of retiring on your terms, and living Happily Ever After.

The Retirement Plan Solution

After reading this book, I have a plan.

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Author: Don Ezra

Publisher: John Wiley & Sons

ISBN: 0470494808

Category: Business & Economics

Page: 256

View: 227

Praise For The Retirement Plan Solution "Short, clear, complete, and always interesting. Best book on DC plans and what we should do-now." —Charles D. Ellis, author, Winning the Loser's Game "At a time when the world is in turmoil, along with retirement expectations, the authors have hit a home run. After reading this book, I have a plan. Read it for your path to retirement security." —Dallas Salisbury, President and CEO, Employee Benefit Research Institute "The Retirement Plan Solution offers a refreshing and provocative perspective on how to assess retirement needs, save to meet these needs, and manage the retirement payout process. In this time of financial turmoil, employees, plan sponsors, and financial advisors will find this highly practical resource volume both useful and humorous." —Olivia S. Mitchell, Director, Pension Research Council, Wharton School "The Retirement Plan Solution is a map to the future of 401(k) retirement plans. But it is not just a theoretical view of what could be. Instead, the authors describe the needs and trends that are already here, and then describe the changes that are developing to meet those needs. It is about the tomorrow that is happening today." —Fred Reish, Managing Director, Reish Luftman Reicher & Cohen "The respected authors have created a readable, timely, and very helpful book on all aspects of retirement planning. The suggestions are practical, the information is concise, and the book is highly recommended for anyone that is interested in sound financial planning." —Moshe A. Milevsky, PhD, Finance Professor, York University, Toronto, Canada "This is a must-read for people working in the retirement industry, as well as those who simply care about how to improve their chance of reaching a financially secure retirement. In a clear and simple fashion, the authors deliver one of the best books to date on inefficiencies in the current DC plan and potential improvements." —Peng Chen, President, Ibbotson Associates

The Retirement Success Solution

The Retirement Success Solution? is an easy read for a Saturday afternoon and will help you decide what action steps you need to take to achieve your retirement goals.Ron Lara has been a Certified Financial Planner for almost 30 years.

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Author: Ron Lara

Publisher: Advantage Personal Finance

ISBN: 1597550914

Category: Business & Economics

Page: 128

View: 730

Thinking of retirement? Wondering if you have enough money to retire or worrying how long your money will last? If you are over 50, I guarantee you have thought about this.?The Retirement Success Solution? is an easy read for a Saturday afternoon and will help you decide what action steps you need to take to achieve your retirement goals.Ron Lara has been a Certified Financial Planner for almost 30 years. His approach to retirement is quite different from most other advisors.Take advantage of his 36 years in the financial service field and learn some basic lessons, as well as some sophisticated financial strategies that may make the difference between a worrisome retirement and a stress-free wonderful retirement.?The Retirement Success Solution? can help you achieve your retirement goals, as well as show you what steps you need to take.

The Retirement Remix

The Retirement Remix was born. (visit TheRetirementRemix.com)

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Author: Chip Munn

Publisher:

ISBN: 9798617759077

Category:

Page: 199

View: 992

Now is the time to eliminate the dividing line between working and retirement and put control of your future back into your own hands.After nearly two decades in the finance business, Chip Munn found himself on a journey to not only save more for retirement, but to also live a happier, healthier life in the process. As he researched, he found lists of the happiest and healthiest countries in the world - and noticed that four countries made it onto every list. Assuming they must be doing something right, he set out to study their routines and habits. In these countries, his research showed, workers take off an extra 220 hours a year compared to the average worker in the United States. They focus on having strong social ties. They take care of themselves (of course it's easier to eat right and exercise when you're taking off an extra 200 plus hours a year.) And, they were willing, likely because they were working less stringently, less stressfully, to work to an older age. They actually worked two-and-a-half years longer compared to the American worker, but took "mini-retirements" with their time off each year.The more he shared and discussed his research, Chip felt confident that the idea of Old School Retirement was broken and eventually developed a method to applying these better practices to help himself (and his clients) live happier, healthier lives too. The Retirement Remix was born. (visit TheRetirementRemix.com)

The B O S S Retirement Blueprint

Tyson Thacker, Ryan Thacker, and their team have helped thousands of families successfully navigate retirement, and now, they're ready to help you do the same.  With The B.O.S.S. Retirement Blueprint, Tyson and Ryan deliver the ...

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Author: Ryan Thacker

Publisher:

ISBN: 1544509049

Category:

Page: 164

View: 293

As you near the end of your career, you shouldn't have to become a retirement planner to ensure you get to enjoy peace of mind during retirement. You've diligently saved your entire life, but now, you need an expert guide to help you avoid costly pitfalls, protect your money, grow your assets, and leave an inheritance for future generations. Tyson Thacker, Ryan Thacker, and their team have helped thousands of families successfully navigate retirement, and now, they're ready to help you do the same.  With The B.O.S.S. Retirement Blueprint, Tyson and Ryan deliver the simplicity, clarity, and confidence you need to get to and through retirement. With their blueprint, you will have the strategies to minimize risk and withstand the fluctuations of the stock market. By developing a retirement tax strategy, you could be one of the smart and savvy few whose hard-earned money stays in your pocket, not Uncle Sam's. If you want to spend retirement enjoying yourself instead of worrying about your finances, Tyson, Ryan, and their team can help you make great decisions with confidence.

The Real Estate Retirement Plan

This is a proven, validated antidote to today’s historically low savings rates, poor current rates of return, and pressure on CPP and health care.

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Author: Calum Ross

Publisher: Dundurn

ISBN: 9781459738430

Category: Business & Economics

Page: 224

View: 279

A Globe and Mail Bestseller! A guide for Canadians on how to use real estate as an investment and retirement solution. Leveraging equity in a principal residence and using it wisely to purchase rental property is the solution to a safe, secure retirement for millions of Canadians. Many Canadians who own their home have never considered buying a second property. And nearly one-third of retirees are worried about running out of money. The Real Estate Retirement Plan shows how homeowners can use the tools already available to them — their mortgages — to access the initial capital to invest and prepare for their retirement. This is a proven, validated antidote to today’s historically low savings rates, poor current rates of return, and pressure on CPP and health care. With examples and a detailed discussion of the principles and mechanics, Calum Ross and Simon Giannini demystify real-estate investing and make an irrefutable case for borrowing to invest.

Working Longer

In Working Longer, Alicia Munnell and Steven Sass suggest a simple solution to this problem: postponing retirement by two to four years. By following their advice, the average worker retiring in 2030 can be as well off as today's retirees.

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Author: Alicia H. Munnell

Publisher: Brookings Institution Press

ISBN: 0815701454

Category: Business & Economics

Page: 207

View: 958

Daily headlines warn American workers that their retirement years may be far from golden. The main components of the retirement income system—Social Security and employer-provided pensions and health insurance—are in decline while the amount of income needed for a comfortable retirement continues to rise. In Working Longer, Alicia Munnell and Steven Sass suggest a simple solution to this problem: postponing retirement by two to four years. By following their advice, the average worker retiring in 2030 can be as well off as today's retirees. Implementing this solution on a national scale, however, may not be simple. Working Longer investigates the prospects for moving the average retirement age from 63, the current figure, to 66. Munnell and Sass ask whether future generations will be healthy enough to work beyond the current retirement age and whether older men and women want to work. They examine companies' incentives to employ older works and ask what government can do to promote continued participation in the workforce. Finally, they consider the challenge of ensuring a secure retirement for low-wage workers and those who are unable to continue to work. The retirement system faces very real challenges. But together, workers, employers, and the government can keep this vital piece of the American dream alive.

The Buckets of Money Retirement Solution

The Importance of Bucketizing Now The reason you should allocate your buckets now instead of waiting until retirement is that no one knows exactly when they will retire or need to get their hands on some income.

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Author: Raymond J. Lucia

Publisher: John Wiley & Sons

ISBN: 0470906715

Category: Business & Economics

Page: 240

View: 633

Investors, shell-shocked by the "Great Recession" of 2008-2009, are looking for answers, for something fresher than the old 'buy-and-hold' mantra. They hunger for stability, yet yearn for growth to rejuvenate their battered portfolios. Ray Lucia's The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life provides just that—a reassuring and scientifically proven strategy that gives investors both growth and income. Lucia, a Certified Financial Planner who's helped thousands of people invest more than $2 billion, explains how to spend down 'safe' buckets (containing, for example, Treasuries, CDs, bonds), while leaving a riskier bucket (real estate, stocks and alternative investments) to grow long-term. This strategy shields investors from the short-term ups and downs of the market. And it gives them the courage and discipline to stay invested no matter what the future holds. Written in a breezy, accessible style and loaded with tons of examples and clear, specific calculations, the book explains how to set your financial goals, divvy up your money accordingly, and then invest intelligently. With this book as your guide, readers will learn how to achieve both income and growth while at the same time reducing risk. "All in all," Lucia writes, "this plan is akin to a sports car that seats six, approximating the best of both worlds. In this case by being a conservative strategy that’s also growth-oriented." Almost every kind of investment—stocks, bonds, commodities, real estate—plunged in the past year or two, turning off millions of investors who'd been planning for and counting on a reasonably comfortable retirement. These retirees or near-retirees need solutions ... something fresher than the old 'buy-and-hold' mantra. Yet here's what they hear from the financial-services industry: Set up an asset-allocation model, then take a systematic withdrawal to support your retirement ... remembering, of course, to rebalance the accounts to remain in sync with the model. Wrong! That maximizes the advisors' fees but doesn't protect the investors' assets during the tough times.

Your Complete Retirement Planning Road Map

This is the same diagnostic system I use with my own clients and with the financial advisors I train.

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Author: Ed Slott

Publisher: Ballantine Books

ISBN: 9780307493569

Category: Business & Economics

Page: 384

View: 116

This is the same diagnostic system I use with my own clients and with the financial advisors I train. So, going through it will be like having me sitting beside you, whispering in your ear, guiding you every step of the way.” –from Your Complete Retirement Planning Road Map Corporate pensions are disappearing. Social Security is in trouble. And the sizable postwar generation is reaching retirement age. With the futures of millions of Americans at stake, Ed Slott, the country’s foremost retirement planning advisor, now offers expert advice on weathering the perfect storm of financial instability that looms on the horizon. Your Complete Retirement Planning Road Map, Slott’s most essential and accessible book yet, provides clear step-by-step directions through the highways and byways of IRAs, 401(k)s, 403(b)s, and other major accounts. In five helpfully focused sections, Slott combines crucial facts with interactive checklists and questionnaires (those he uses with his own clients) to teach investors and beneficiaries alike the best way to save and to maximize an inheritance. Inside you’ll discover • My Account Inventory: an overview of every retirement savings account you own, whether you’re thirty or sixty-five–from what it is and where it is to who gets it and how, plus where to put important data for easy access and where to store your essential documents (hint: not in a safe-deposit box) • The Account Owner’s Care Solution: how to properly fill out retirement account beneficiary forms so that whatever amount of money is left in your account after you’ve fully enjoyed retirement will go to whomever you choose and not to relatives who suddenly pop up out of nowhere • The Account Beneficiary’s Care Solution: what to do when you inherit so that you won’t lose any of the tax benefits and other opportunities your benefactor has created for you, or make a mistake that could wipe out an inherited fortune that took years to build up • The Special Issues Care Solution: how to handle the out-of-the-box issues that could affect you or your beneficiaries (e.g., life events such as divorce or incapacity; tax issues for unmarried partners; decisions about trusts) • The Follow-up Care Solution: how to keep your planning on track and make adjustments when circumstances change, and how to determine whether your professional retirement advisor is really up to the task of preserving and protecting your money • Plus: the most up-to-date information on tax laws, including the Pension Protection Act of 2006, which provides major new retirement incentives that you can take advantage of Your Complete Retirement Planning Road Map is an indispensable planning solution that is sure to become the standard how-to on a complex subject that is becoming relevant to more people every day.

Retire Inspired

In Retire Inspired, Chris Hogan teaches that retirement isn't an age; it's a financial number an amount you need to live the life in retirement that you've always dreamed of.

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Author: Chris Hogan

Publisher: Ramsey Press

ISBN: 9781937077815

Category: Business & Economics

Page: 256

View: 263

When you hear the word retirement, you probably don't imagine yourself scrambling to pay your bills in your golden years. But for too many Americans, that's the fate that awaits unless they take steps now to plan for the future. Whether you're twenty five and starting your first job or fifty five and watching the career clock start to wind down, today is the day to get serious about your retirement. In Retire Inspired, Chris Hogan teaches that retirement isn't an age; it's a financial number an amount you need to live the life in retirement that you've always dreamed of. With clear investing concepts and strategies, Chris will educate and empower you to make your own investing decisions, set reasonable expectations for your spouse and family, and build a dream team of experts to get you there. You don't have to retire broke, stressed, and working long after you want to. You can retire inspired!

DIY Financial Advisor

DIY Financial Advisor is a unique resource. This book is the only comprehensive guide to implementing simple quantitative models that can beat the experts.

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Author: Wesley R. Gray

Publisher: John Wiley & Sons

ISBN: 9781119071501

Category: Business & Economics

Page: 224

View: 339

DIY Financial Advisor: A Simple Solution to Build and Protect Your Wealth DIY Financial Advisor is a synopsis of our research findings developed while serving as a consultant and asset manager for family offices. By way of background, a family office is a company, or group of people, who manage the wealth a family has gained over generations. The term ′family office′ has an element of cachet, and even mystique, because it is usually associated with the mega–wealthy. However, practically speaking, virtually any family that manages its investments independent of the size of the investment pool could be considered a family office. The difference is mainly semantic. DIY Financial Advisor outlines a step–by–step process through which investors can take control of their hard–earned wealth and manage their own family office. Our research indicates that what matters in investing are minimizing psychology traps and managing fees and taxes. These simple concepts apply to all families, not just the ultra–wealthy. But can or should we be managing our own wealth? Our natural inclination is to succumb to the challenge of portfolio management and let an ′expert′ deal with the problem. For a variety of reasons we discuss in this book, we should resist the gut reaction to hire experts. We suggest that investors maintain direct control, or at least a thorough understanding, of how their hard–earned wealth is managed. Our book is meant to be an educational journey that slowly builds confidence in one′s own ability to manage a portfolio. We end our book with a potential solution that could be applicable to a wide–variety of investors, from the ultra–high net worth to middle class individuals, all of whom are focused on similar goals of preserving and growing their capital over time. DIY Financial Advisor is a unique resource. This book is the only comprehensive guide to implementing simple quantitative models that can beat the experts. And it comes at the perfect time, as the investment industry is undergoing a significant shift due in part to the use of automated investment strategies that do not require a financial advisor′s involvement. DIY Financial Advisor is an essential text that guides you in making your money work for you not for someone else!

The New Retirement Savings Time Bomb

Now, in this fully updated edition of The Retirement Savings Time Bomb, renowned tax advisor Ed Slott explains in clear-cut layman's terms what people need to know to keep their money and pass it on to their families.

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Author: Ed Slott

Publisher: Penguin

ISBN: 9780143134541

Category: Business & Economics

Page: 448

View: 551

AS SEEN ON PUBLIC TELEVISION New for 2021—The 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.