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Saving for Retirement (Without Living Like a Pauper or Winning the Lottery) Updated and Revised Paperback – August 17, 2012
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About Saving for Retirement
Saving for Retirement will relieve confusion and barriers to action for Americans who are increasingly worried about retirement. The book removes everything from the readers' path that typically trips people up and hits the sweet spot for everyone aged 18 to 60. Using new figures (including troubling new projections of healthcare and long-term care costs), Gail MarkJarvis helps readers calculate exactly how much money they'll need and how to get there. She presents easy, proven investing strategies for anyone at any age that will transform pocket change into hundreds of thousands of dollars. Packed with her readers' personal stories, this book teaches powerful professional financial planning principles — but makes them simple enough for anyone to apply on their own.
Recipient of the EIFLE Award
The Excellence in Financial Literacy Education (EIFLE) Awards were created to acknowledge innovation, dedication and a strong commitment to financial literacy education. Each year, the Institute for Financial Literacy presents the EIFLE Awards to individuals and organizations that have shown exceptional innovation, dedication and commitment to the field of financial literacy education.
This year, FT Press author and syndicated Chicago Tribune Columnist Gail MarksJarvis was presented with the award for her book, Saving for Retirement: Without Living Like a Pauper or Winning the Lottery, the updated and revised edition of the practical, easy-to-use savings and investing book.
From the Back Cover
—Dallas Salisbury, CEO, Employee Benefit Research Institute
The #1 Common-Sense Guide to Easy Investing for Young and Old
Now updated for today’s risks, costs, and laws.
- The perfect book for anyone who’s afraid of investing (in other words, practically everyone!)
- Simple, proven approaches for a complicated, dangerous world
- Step-by-step help and real answers from prize-winning Chicago Tribune columnist Gail MarksJarvis
Terrified of the stock market? You’re not alone—practically everyone is. But here’s the good news: Investing isn’t as hard as people say it is. There are answers. You don’t need to be a billionaire or a mathematician. With some common-sense, step-by-step help, you can achieve financial security. This book gives you that help—no matter how old you are or where you stand right now.
Gail MarksJarvis never assumes you’re an expert! She fills in all the missing gaps that most personal finance books skip: what to do, what not to do, where to go, and how to make safe, sensible decisions that work. Don’t worry about complicated math; she’s done all the heavy lifting for you, using the newest numbers about Social Security, healthcare costs, and more. This friendly, reassuring book removes all the obstacles that stand in your way, so you can start when it’ll do the most good…today
More About the Author
Top Customer Reviews
There's nothing really new in this book - you can get pretty much the same advice from a whole bunch of books on the topic out there - but, this one is relatively short, easy to read, and summarizes the subject well.
When you stop to think about how to have enough money to retire, it is scary. Social security hardly provides anything, and most people don't have any sort of guaranteed pension plan. Like the book says, you HAVE to start planning early, and you have to invest your money in vehicles that will grow over time. One reviewer really slammed the book because the author suggests investing in stocks. And also slammed the book because it seemed to be only for affluent people. I did not find that to be the case.
Yes, the author does recommend stocks but recommends decreasing the proportion of savings invested in stocks as one grows older because stocks are relatively risky. History has shown that the stock market runs in cycles. What you don't want is to get caught at retirement time when it is in a down cycle. The earlier you invest in stocks, the more time you have to weather the cycles and prepare for retirement by downsizing your portfolio and placing it into more stable, less risky things like bonds or fixed-income securities.
No matter how old you are, and no matter what your income, you need to be planning for retirement.Read more ›
I have a friend who's a recent widow who never handled their monies. Now she's sitting with investments that she doesn't understand. Thank goodness I can give her a copy of this book so she can educate herself before deciding what to do.
While the advice given is supposedly geared toward the common person, most of it is geared toward the wealthy. One example used talks about a couple who need to save $35,000 a year. Now, who do you know who has that kind of money to save or invest? I know very few people who even take home that much, and the median individual wage in this country is only around $26,000 a year (which means that half the individual wage earners are at this level or below).
Median household income is only about $45,000, and that is before taxes. All the usual remarks about skipping that latte every day or cutting down on eating out a time or two each week to build your retirement fortune ring with their usual class-based hollowness.
The bottom line is that the author wants you to invest in the stock market, although through indirect means such as mutual funds and IRAs. You've heard this all before - there is nothing new here, and it is the same kind of advice that has so many people on the ropes today: "trust the stock market - just ride out the down times, it will recover......." (If you can wait 30 years...)
As a member of the Boomer generation who has experienced the disappearance of large parts of just such investments in the market crashes over the last 14 years, I have to say that the evidence of reality clearly contradicts the advice in this book. Large numbers of people who did exactly as instructed in this book are either postponing retirement or re-entering the workforce because these strategies just didn't work, at least not for most people.Read more ›
Most Recent Customer Reviews
My husband liked this book so much he bought additional copies to share with his siblings.Published 12 months ago by weebree22
Lots of practical info that you can follow
Updated info plus old principles
Can not wait to finish this book
Gail Jarvis really does marvelous job off clearing all of the. confusion surrounding 401ks, stock, bonds and mutual fund. must read if you're brand new to investing.Published 19 months ago by paul
Good book for young adult to help through working out financial situation and guidance for the future. Bought it for my son along with others that were recommended. Read morePublished 20 months ago by Jessica Granese
Nice reminders and general information to help you save or begin to save for the future.. I recommend it to new savers or someone looking to refresh on saving.Published on January 6, 2014 by CLK
This is an essential book for anyone who wants to ensure a better retirement for themselves and their family. Read morePublished on January 2, 2014 by Shawn M. Touney
Doesn't have anything that you can't get by reading many of the multitude of free articles. Guess its a good reference to keep around.Published on December 27, 2013 by M. Dembski
I've read a number of personal finance books and found this to be the best one for retirement investing. Read morePublished on December 1, 2013 by Megan Cabral