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Present essays from noted authors and retirement experts on how to use retirement to achieve one's personal dreams.
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.
This book provides a wide range of upbeat and fun suggestions on how to luxuriate in your new-found time. Things to Do Now That You're...Retired will teach you how to make the most of retirement by pursuing activities you enjoy.
Will you receive Social Security benefits at retirement? Most Americans will receive some sort of Social Security benefit when they retire. In fact, for most Americans, Social Security will provide the bulk of their retirement income. Yet, the VAST majority have no clue how their benefit is calculated. Many, in fact, will completely discount their benefits as a pittance. They'll fall for the doom and gloom that says they need MILLIONS to retire. That health care costs will destroy their retirement. That Social Security is going bankrupt. All these negative things permeate the financial industry and the media. As such, many working people are scared to death of retirement. And they stay at crappy, old jobs for much longer than they would have liked...because they're AFRAID of running out of money!Don't be like this! With a thorough understanding of how Social Security works, you will be well-armed to deal with the naysayers who continue to peddle the horror stories that await you if you quit your job to enjoy your life In this book, I will explain it all. And hopefully, you will put it down, take a deep breath, relax a bit and say "you know something? It's about time I enjoyed life on MY TERMS!"
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
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.
Covers retirement, disability, survivor and health care benefits.
Delamontagne leads prospective and recent retirees on a journey of psychological, emotional, and spiritual growth to help them cope with the challenges of a difficult transition.
Millions of baby boomers are just beginning to retire, and in doing so many are likely to run into adjustment problems, such as loss of identity, deterioration of marriage and social life, and feelings of disconnectedness to the world. Studies have found that as many as 40% of retirees have difficulty adjusting, and even those who claim to enjoy retirement may experience some uneasiness as they adapt to a life lacking in structure and direction. This book investigates the struggles faced by retirees in building a new life outside of the workforce. It provides an honest assessment of retirement, based on the not-always-acknowledged fact that it is a difficult transition with pitfalls and obstacles to be overcome. But along with uncovering problems, the authors also propose solutions to enable both current and future retirees to be better prepared, allowing them to avoid being blind-sided by unexpected situations. By reading about the experiences of their peers, current and future retirees will come to understand that others share their difficulties adjusting, and that tactics are available to improve their comfort level in retirement as well as their overall well-being. Retirees and those planning for retirement will find in these pages what they need to make retirement successful and enjoyable.
Everyone who has a job dreams of the day they’ll retire. They envision cross-country road trips or relaxing cruise vacations. But after they’ve had their fill of fun and leisure, what’s left? “How to Decide What to Do When You Retire” aims to help you fill the inevitable gaps long before you’re ready to retire. This book will show you how. The last thing you want after you’ve said goodbye to your career is to find yourself with no purpose, nothing to fill those empty hours. This guide will help you connect the dots. It will help you find what makes you happy, what brings you the joy, and what makes sense for you and your future. If you’re ready to take charge of your retirement, buy a copy of this book today and learn how to make your retirement dreams a reality!