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How to Retire Comfortably and Happy on Less Money than the Financial Experts Say You Need: Insider Secrets to Spending Less While Living More Paperback – January 12, 2008
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The book is divided into three key sections. Starting with eliminating your debt before you retire, to investing for the future and finally with retirement and what it means to you.
Each of these sections in turn goes into topics about what it takes to accomplish the goal set by the section, such as with eliminating debt; it discusses the topic of credit cards, their use and abuse, and how to remove their painful spell upon us. Other topics in the section include: simplifying your life style by budgeting and making your homestead work for you. This last topic is especially interesting given the current circumstance of falling house values, and the credit crunch. It makes you confront the fact that if what you are earning to live on today is not enough, then how are you going to live on less when you retire without preparing for it?
This leads to the second section about investing for the future. The key term here is "future;" what has been and where you are today is not as important as where you want to be tomorrow. After reviewing the various types of investments from checking, savings and money market accounts; to CDs and treasuries; to 401(k)'s and IRA accounts; to investing in stocks along with researching stocks and selecting financial advisors, you are provided with some very sound advice along conventional lines of wisdom.Read more ›
I found this book enjoyable and very helpful. It can help just about anyone whether they're getting ready to retire, or are young and looking to put money away, or even those who are already retired and looking for ways to minimize their debt. I give this book a 5/5. Everyone should pick it up.
Brooks shows how anyone of regular means can retire comfortably. She offers simple tips for saving more and spending smarter. Complicated topics such as taxes, investments and Medicare made plain to understand.
This book will help the average person take above average steps towards their retirement goals.
Experts Say You Need: Insider Secrets to Spending Less While Living More," by Connie Brooks is something more than just an interesting title. It's an absolute must-read for anyone twenty years away from their projected retirement date. Preaparation is everything, and this is a book full of advice that will jump-start you into making the right decisions now for that time of your life when work is no longer an option, or no longer available for whatever reason.
Brooks gives hard-hitting facts and figures that can make anyone more aware of how you can save your money now to insure a comfortable future in the retirement years. After all, retirement should be something to look forward to, not something you're uncertain of. If information is truly power, then read each chapter and apply this information now, and chances are, your retirement years will be spend enjoying your life instead of worrying about how the bills get paid. It is absolutely true that good financial habits build wealth, and this book is more timely than ever. Using Brooks' words, it is true that "your retirement could be the biggest vacation you ever take."
From solid common-sense how-to's on designing a budget now that will help to eliminate financial worries from your future to how shopping for groceries and eating better can save you both money and health issues, Brooks' book is an easy read. She relates how to downsize your home, your vehicles and your expectations to have a manageable life - one that you and you alone can afford - based on simple truths. It's not all grim. You won't have to give up everything you love just to exist - and that's her point. Brooks gives you the straightforward answers to how to love the life you're going to live.
Some of the advice in ''How to Retire Comfortably and Happily on Less Money than the Financial Experts Say You Need'', like eliminate your debt before you retire, may be construed as simple common sense. Ms. Brooks does offer several useful suggestions as to how to accomplish your goals, however, ranging from more efficient meal planning to making sure you're getting the best deal on a used car. There are also a number of tips that are just good financial advice in general, such as learning how to separate needs from wants, considering the overall cost of too much clutter in your home, and asking whether or not downsizing your home might be a good way to save some money. The section on investing could probably have used more detail, but I suspect the author's aim was to simply provide a basic overview for a working-class audience who is more concerned with getting by than building wealth.
What most impressed me in ''How to Retire Comfortably and Happily on Less Money than the Financial Experts Say You Need'' was the author's creative thinking in regards to her ideas for generating supplemental income during retirement and saving money by retiring overseas. As part of the generation that expects to receive little or no help from Social Security, I believe creativity will be my best hope for a semi-comfortable recruitment.
Most Recent Customer Reviews
This book is more of a budget and planner guide. Maybe thats what you need at 40 to plan to retire. Very little info on were to go and what would suit one or another person. Read morePublished 18 months ago by K. Sieg
Fairly complete guide to many aspects of retirement including financial, medical, social, & other considerations. Add this to your library.Published 20 months ago by R. W. Loos
This was a good book. It explains many different investment options simply, and gives a risk rating for each. Read morePublished on May 29, 2009 by Brooke