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Others say...
"This book is right......you DON'T need a million!" I have to admit I would have been far more skeptical about the points made in this book if I hadn't seen people already living on far less than a million dollars...and doing just fine. One lived independently for years (admittedly, not on a champagne and caviar budget, but not poorly,either) and then moved into a nursing home, all expenses paid. This person is happy. Health costs have not driven that person to poverty and the medical care is just fine. Another friend lives modestly but has family and friends nearby, an active social life and lives in a lovely Arts and Crafts style bungalow, bought for a modest amount and very tastefully decorated. She lives (as this book suggests) a life full of meaningful activities, many of them free, some of them volunteer work, some of them low-cost or free programs such as concerts in the parks or nature programs or lectures. Again, not an expensive lifestyle.. but fully satisfying. ONE SUGGESTION: If you read this book, it is quite possible that you can start NOW to learn to live on far less money than you may be spending mindlessly today - and not feel deprived. If you do that, of course, you may save even more for your later years, when health issues and other concerns may impact your finances in a less predictable manner than today. In any case, this is a refreshing change from the books which promote worry and anxiety about not being able to afford retirement. This book advocates finding a happy medium, neither advocating a "no savings" plan or needless worry and obsessions about the future and doomsday scenarios.
"Not a bad overview, has some good ideas, but beware..." The 'Where will the Money come from' chapter , pgs 240-244 on Social Security, is delusional. The author seems to think that Social Security is safe, that pending boomers will get full benefits, and nothing is further from the truth. The author should check the annual letter from Social security that states that withdrawls will exceed contributions within the next 10 years unless something is done. Nothing will be done because our politicians have no spine and are afraid of not being around to milk the tax payer and receive endless kickbacks and graft, all the while being exempt from the very system created as a last resort.
His other ideas are good, however, and worth a read. Id get it from the library first before I decided if I wanted to keep this book around.
"An excellent handbook for holistic retirement planning" I read this book along with several others two years ago as my husband and I contemplated early retirement. It was by far the best book I read. Most other books were the author's personal musings about what makes for a good retirement. In contrast, Warner's book backs up his views with both solid research and compelling testimonies from actual retirees. He doesn't downplay the importance of financial well-being in retirement, just puts it in context as ONE element of successful retirement. As someone who's now been retired (at age 52) for a year, I can attest to the usefulness of this book. It helped me honestly analyze my own life situation and has been a catalyst for some of the choices and decisions I am making as I create a life without (much) work. Warner's admonishment that you have to start integrating good practices in your life BEFORE retirement is particularly important; for example, if you don't foster close and healthy relationships with your family and friends when you are younger, they aren't going to magically happen once you're retired. Likewise for good health and spiritual habits. I highly recommend this book to anyone, regardless of age, who wants practical and sage advice on building a fulfilling life in retirement.
"A few comments" Like all "royal road to retirement" advice books this one is a mixed bag with some very sage and wise advice on some topics, but weaker on other topics with a lot of facile generalities and waving of hands in regard to how actually to do it on less than a million bucks. Overall though, I applaud the author's emphasis on quality of life vs. a life devoid of meaning and quality personal relationships but with plenty of money--which is what the financial types will try to sell you. As some wag once said, real money is easy to come by--it just takes a lifetime of hard work. Of course, by that time, your wife has left you, your kids hate you, and you have no friends. What's the point of that? I think a compromise is therefore in order, with a downscaled, more modest retirement but with having preserved one's family and friendships intact. On the other hand, this is America, the land of the Almighty Dollar, to which we all bow and scrape and perform obeisance, and if you've got a gadzillion bucks up the wazzoo you can always buy friends, if you can call them that. And I've discovered that in the U.S., money truly does buy friendship of a sort--at least you'll never be bored and alone on a Friday or Saturday night. Anyway, whatever you decide, this book offers an alternative. The decision is up to you.
"Live authentically" Retirement books written by authors who understand that a good retirement is about more than money, are wonderful! Constructed in a light, yet logical format, "Get a Life" covers much of what you need to think about before you retire. And it's not just money! I believe that retirement life planning begins five to ten years prior to the event. If you haven't ever done something like paint, travel or volunteer before you retire, it is very unlikely you will do it after you retire. And if you don't have activities and friends outside of work, statistics show that the likely result is depression and an early demise. This is particularly true for men. Much of what Warner talks about in this book supports my conviction that this is a time of life to act with the vigor of our innermost convictions. It's what will keep us strong in retirement and make the world a better place. For example, in his chapter on loving life, Warner makes the following observation: "Trying to conform to the expectations of others all one's life seems to carry with it a heavy price after retirement. It's as if now, when you finally have the freedom to be the individual you really wanted to be all your life, you've forgotten who that person is." Whether or not you agree with Ralph Warner, this book is one you should definitely read, if only to challenge your own assumptions.
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Get a Life: You Don't Need a Million to Retire Well
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It's better to buy this one too... Braun IRT 4020 ThermoScan Ear Thermometer details..
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What our customer's say!
"Errors in the planning worksheet", Noticed a MAJOR ERROR in the worksheet from Ch 8. "How Much Money Will you Need When You Retire".
Step 1 starts with AFTER Tax Income, however Step 2 SUBTRACTS the difference in taxes between working and retired.
Seems to me that TAXES are being neglected twice. This ended up being a $40,000 per year error between when I created a spreadsheet based on this 3 years ago, and what I see now! This is present in the 5th edition of the book -- not sure if this has changed since previous editions.
"Good for retirement planning", Says you don't need a million, but makes it clear that it should would help. Not much help unless you plan to have your house paid off prior to retirement, seems to be a basis for a lot of the recommendations. For those of us who will not have the house paid off, and are now upsidedown due to the economy it means more years of work prior to retirement. Should be updated to be useful.
"A Must Read for Anyone Who Plans to Retire Someday", The authors take a very different approach from most retirement planning books. Rather than talk to financial planners, who emphasize the money angle and have never themselves retired, the authors talk to people who've retired and have made a go of it. What's the secret? When you think about it, it's pretty simple. Stay healthy. Have many friends, including younger friends. Make peace within your family and get to the point where you love and enjoy your adult children. Oh yes. Money. Money comes way down on the list of concerns. Many financial planners say you'll need 80% of your present income when you retire. But the authors say the real number is closer to 50%, particularly if your home is paid off. The bottom line is that retirement is about far more than money, and you should be enjoying a healthy, productive life now, not just dreaming of your retirement while stressing yourself to the breaking point. My insurance company, USAA, which also sells financial products, recommended this book. It speaks well of USAA that they recommended a couple books that downplay the financial angle. I recommend this book--it'll give you pause and help you reorient your priorities.
"WOW", I'm not a big reader but could barely put this book down. Most of the book is about the non-financial impacts in retirement, which seem to be overlooked by most people. I highly recommend.
"Easy and Fun to Read", I enjoyed this book so much, that my boss, brother & sister all wanted copies, so I gave them each their own to read!
You might need this... Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial Independence details..
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 How to Retire Early and Live Well With Less Than a Million Dollars details..
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Read this reviews before You buy...
"Loved this book!", I got this book from the library and decided to buy it. It brings up many interesting points to consider when planning your retirement. Things I would have never thought about. Such as how much time and energy we spend planning the financial aspects of retirement but not *really* considering how we'll spend all of our free time. It had great suggestions on how to do that and, more importantly, suggests to start preparing now - your 40s and 50s.
"A straightforward guide to enjoying one's retirement", Now in an updated fifth edition, Get A Life: You Don't Need A Million To Retire Well is a straightforward guide to enjoying one's retirement. Get A Life especially focuses upon financial considerations, but chapters also address such matters as interests to pursue upon retirement, health and fitness issues, how to cultivate friendships (it is unfortunately common for widows and widowers to quickly lose contact with former friends who are coupled), how to avoid living in a nursing home if at all possible, and much more. Chapters dealing with economic needs address how much retirement savings is enough, where to earn a source of income after 65, how to save enough, an investment guide for "savvy peasants" (including why investing in precious metals such as gold and silver is a bad idea), and more. A strongly recommended guide packed cover-to-cover with useful tips for aging gracefully.
"Only some general information", Please note that I write this review from the perspective of someone who won't be retiring for at least two more decades. I think by the time I retire, the state of the world will be quite different. Hopefully al Queda or the greedy pigs on Wall Street haven't destroyed our beautiful country by then...
I got this book in e-book format as part of my Quick WillMaker Plus 2005 software package. It only has some mostly general information, and I don't think it's worth the full price of the printed version. The author promotes the idea that you don't need a lot of money to retire; all you need is a loving family. Sure, and we can just count on social security (which is to be privatized and feeding the greedy Wall Street pigs) and our kids. This guy must be living in some utopian pipe dream.
If you want a feel-happy book, this may be for you. Otherwise, get a book that offers practical advice on how to save and what government benefits programs are (still) available.
"A Great Read", My wife and I are preparing for retirement in our mid-fifties -- twelve years from now. (Yes, we like to start planning early.) The title and summary on Amazon intrigued me so I purchased this one along with some other books that specialize in the non-financial aspects of retirement. This book was the best we found. Well written and enjoyable, I strongly recommend this for any who is looking for non-financial retirement advice. (The financial aspects of the book are adequate but far from unique -- strictly a good overview -- and I wasn't looking for financial advice).
"It's OK...", It is just that I thought it would have more financial information. Instead I thought it leaned too heavily on the social aspect of retirement, and how to be frugal. Everyone wants friends and hobbies, but as a 35 year old person, trying to save for retirement, I was looking for financial stuff.
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