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Saving for Retirement (Without Living Like a Pauper or Winning the Lottery) Updated and Revised Paperback – August 17, 2012

4.1 out of 5 stars 71 customer reviews

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Amazon.com Review


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

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

“What you need to know; where you can find the answers; how you can take action. It is all here.”
—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

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Product Details

  • Paperback: 288 pages
  • Publisher: FT Press; 1 edition (August 17, 2012)
  • Language: English
  • ISBN-10: 0132963035
  • ISBN-13: 978-0132963039
  • Product Dimensions: 6 x 0.8 x 9 inches
  • Shipping Weight: 11.2 ounces (View shipping rates and policies)
  • Average Customer Review: 4.1 out of 5 stars  See all reviews (71 customer reviews)
  • Amazon Best Sellers Rank: #377,949 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

By monkuboy VINE VOICE on October 8, 2012
Format: Paperback Vine Customer Review of Free Product ( What's this? )
What I mean by "average person" in the title of this review is the main part, rather than the extremes, of the bell curve when it comes to income and financial knowledge. They are concerned about money, about retirement, and want to plan but are laymen when it comes to the subject. I feel that this book provides good, solid advice for those who fall into that category.

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.
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By CE on September 30, 2012
Format: Paperback
After a dinner conversation with friends in which the issue of retirement came up, I became uncomfortably aware that despite the fact that all of us at the table were highly educated, none of us knew our "number" for retirement. As we are all mid-career, it occurred to me with some urgency that I needed to face the issue and educate myself about it. The next day, I found Gail MarksJarvis's book, and I have been carrying it around with me for weeks, reading it first cover to cover and re-reading sections as I make calculations and formulate a better retirement plan than I had prior to reading this gem of a book. Ms. MarksJarvis explains thoroughly and concisely in layman's terms how to understand various retirement plan options, the way the market works, mutual funds and index funds, asset allocation, and--my favorite--chapter 11: "Do This." The book really empowered me to formulate a plan that not only makes sense, but also alleviates my anxiety about the future. The book offers comprehensible explanations of complex concepts, yet it remains a pleasure to read throughout. Did I just say that about an investment/finance book?! I have already recommended "Saving for Retirement" to several friends and co-workers, and I hope Ms. MarksJarvis will continue to disseminate her vast knowledge of the financial world to those of us who do not work in finance but need to build our retirement pies.
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Format: Paperback Verified Purchase
There's a good reason why this book just won the 2013 Excellence in Financial Literacy Education (EIFLE) Award by The Institute for Financial Literacy--it's fantastic. It explains in easy to understand terms why individuals now need to save for their retirement (when earlier generations didn't have such a pressing need) and how starting young with $20 weekly really adds up. Plus Gail explains--again in easy to understand terms--what to do if you didn't start saving earlier in your life.

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.
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Format: Paperback Vine Customer Review of Free Product ( What's this? )
People new to retirement planning will find this book both accessible and useful. The author first provides assurance that if you, the reader, feel as though you're in the dark regarding retirement finances, you have a lot of company. She walks through an array of retirement examples as she goes through the book. One of my favorites involved a bunch of middle-class retirees who all seemed to be living the good life: dinners outs, vacations, lots of golf, etc. Turns out that those retirees struggled a lot to make ends meet when they were working, but in retirement received not only Social Security but old-style pensions as well. But the author dispels any fantasies YOU should have about relying on either of those in the future.

Gail MarksJarvis guides you through today's retirement world, indicating that it's pretty much all on your own shoulders to ensure that you have enough money in your golden years. She indicates that unknown health care needs coupled with the uncertain futures of Social Security and Medicare programs will require people these days to save more than the retirees of yesteryear. The advice she offers, however, is fairly tried and true, encouraging the reader: to take advantage of company matches in 401(k)'s; to max out retirement contributions (if you can); to start retirement saving early; to use IRAs (even if you already have a 401[k]); to invest in low-cost index funds rather than popular, high-cost funds; to invest heavily in stocks early on; etc. She pretty much tells you all you need to know.

This book is good for beginners as well as seasoned retirement planners. A beginner might find it tough to get through due to its length (a bit less than 300 pages), but the book is an easy enough read.
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