Save Your Retirement and over one million other books are available for Amazon Kindle. Learn more
  • List Price: $14.99
  • Save: $3.58 (24%)
FREE Shipping on orders over $35.
Only 6 left in stock (more on the way).
Ships from and sold by
Gift-wrap available.
FREE Shipping on orders over $35.
Used: Acceptable | Details
Condition: Used: Acceptable
Comment: Fast Shipping - Safe and Secure Bubble Mailer!
Access codes and supplements are not guaranteed with used items.
Have one to sell? Sell on Amazon
Flip to back Flip to front
Listen Playing... Paused   You're listening to a sample of the Audible audio edition.
Learn more
See this image

Save Your Retirement: What to Do If You Haven't Saved Enough or If Your Investments Were Devastated by the Market Meltdown Paperback – May 29, 2009

ISBN-13: 978-0137029006 ISBN-10: 0137029004 Edition: 1st

Buy New
Price: $11.41
28 New from $8.52 54 Used from $0.01 1 Collectible from $9.98
Amazon Price New from Used from
"Please retry"
"Please retry"
$8.52 $0.01

Frequently Bought Together

Save Your Retirement: What to Do If You Haven't Saved Enough or If Your Investments Were Devastated by the Market Meltdown + The Bogleheads' Guide to Retirement Planning
Price for both: $22.78

Buy the selected items together

Best Books of the Year
Best Books of 2014
Looking for something great to read? Browse our editors' picks for 2014's Best Books of the Year in fiction, nonfiction, mysteries, children's books, and much more.

Product Details

  • Paperback: 224 pages
  • Publisher: FT Press; 1 edition (May 29, 2009)
  • Language: English
  • ISBN-10: 0137029004
  • ISBN-13: 978-0137029006
  • Product Dimensions: 5.4 x 0.6 x 7.9 inches
  • Shipping Weight: 8.8 ounces (View shipping rates and policies)
  • Average Customer Review: 4.5 out of 5 stars  See all reviews (4 customer reviews)
  • Amazon Best Sellers Rank: #1,341,250 in Books (See Top 100 in Books)

Editorial Reviews

From the Back Cover

Real Solutions for Saving Your Retirement…

No Matter Where You Stand Right Now!

Step-by-step plans you can use if you're planning to retire in…

5 years 10 years 15 years over 20 years or tomorrow!


“The market meltdown has all of us worrying about whether we will ever be able to retire. Worrying doesn't help you. Planning does.Save Your Retirementby Frank Armstrong, III and Paul B. Brown can-and should-serve as your battle plan.”

-John A. Byrne, Executive Editor,BusinessWeek


“Convinced the sinking economy has dragged your retirement plans down with it?Save Your Retirementshows there's still treasure inside that wreckage- and provides a map to help you find it.”

-Josh Hyatt,Money Magazine


“Whether you're just beginning a career or you're five years from retiring, the authors show you how to take a realistic look at your current financial status and your retirement goals. With a refreshingly positive approach, they give all of us, no matter our life stage, a blueprint for successful retirement.”

-Professor Larry Meiller, Talk Show Host, Wisconsin Public Radio


“Frank Armstrong, III and Paul B. Brown heal your retirement anxiety and show you exactly how to achieve financial security for the golden years. You'll actually be excited to save!”

-Farnoosh Torabi, Author ofYou're So Money: Live Rich Even When You're Not


Terrified about retirement? Stop losing sleep, and take action! This book gives you specific, step-by-step plans you can use to save your retirement. Forget “one-size-fits-all” solutions that don't fit your life. Here are personal plans focused on your unique situation-whether you're 5, 10, 15, or 20-plus years away from retirement or are scheduled to retire now. (There's even a detailed plan for people who've already retired and want to make sure their money lasts!) No matter what the market meltdown did to your portfolio or how little you've saved, you can save your retirement-if you start now. Get this book, and get started!


All the help you need to save your retirement:


  • Where to move your savings
  • How to recalculate what you'll really need to retire
  • How to assess when you can now afford to retire
  • How to change your approach to investing
  • How to use the federal tax system to save more
  • What to expect from Social Security now


Part I: Let's Take a Deep Breath and Get Our Bearings    1

Chapter 1: There's Hope    3

Chapter 2: You Are Not Alone: Just About Everyone Is Unprepared to Retire the Way They Want    11

Chapter 3: Maybe You Don't Want to Retire    23

Chapter 4: Before You Begin Your Rescue Efforts: Things to Do to Make Sure You Don't Make the Situation Worse    29


Part II: Working with the Scenario That Is Right for You     63

Chapter 5: R(etirement) Minus 20 (or More)     71    

Chapter 6: R—15     79

Chapter 7: R—10     95

Chapter 8: R—5     107

Chapter 9: R=0     117

Chapter 10: R+     123


Part III:  (Dramatically) New Thinking     127

Chapter 11: Maybe You Want to Retire Later     129

Chapter 12: Don't Touch Up the X-Rays     133

Chapter 13: Dealing with Risk     141

Chapter 14: Where Does Social Security Fit In?     151

Chapter 15: What to Do the Moment You Stop Reading     161

Chapter 16: Final Thoughts     167


Part IV:  Appendices     173

Appendix A: Where Does the Money Go?     175

Appendix B: Getting to What's Next     183

Appendix C: Useful Links and Resources for Retirees     191

Appendix D: Suggested Asset Allocation Models     195


Index     199


About the Author

Frank Armstrong, III, CLU, CFPTM, AIFA, is the founder and principal of Investor Solutions, Inc., a fee-only registered investment advisor. He has more than 35 years’ experience in the securities and financial services industry. His bestselling book, The Informed Investor, was cited by BusinessWeek as one of the best investment books of the year, and his previous book, The Retirement Challenge: Will You Sink or Swim, received rave reviews.


Frank was named by Barron’s as one of the top 100 independent financial advisors in 2007 and again in 2008. He was a featured columnist on for a number of years and is a frequent contributor to The CPA Journal and Physician’s Money Digest. He has appeared on “CNN Headline News,” “Your Money with Stewart Varney,” “PBS Morning Business Report,” CNBC, “Money Life with Chuck Jaffee,” and public radio stations around the country. Frank is widely quoted in the media, his articles appear in major financial magazines and Web sites, and he lectures nationwide on principles of investment management.


His first publication, Investment Strategies for the 21st Century, was one of the first books ever published and serialized on the Internet in multiple languages.


A Vietnam veteran and former Air Force pilot, Frank flew 250 combat missions in Southeast Asia. He currently lives in Coconut Grove, Florida, with his wife, Gabriele, and enjoys boating, deep sea fishing, scuba diving, windsurfing, reading, and travel.



A long-time contributor to The New York Times, Paul B. Brown is the author of more than a dozen business books, including Grow Rich Slowly: The Merrill Lynch Guide to Retirement Planning (written with Don Underwood), as well as the international bestseller Customers for Life (written with Carl Sewell).


A former writer and editor at BusinessWeek, Financial World, Forbes, and Inc., Paul hosted his own nationally syndicated, three-hour personal finance call-in show heard daily on the Business Radio Network for a number of years. He is “the financial expert” at and a contributing editor to both M.I.T.’s Sloan Management Review and The Conference Board Review. He lives in Duxbury, Massachusetts, and Anna Maria, Florida.


See all Editorial Reviews

More About the Authors

Discover books, learn about writers, read author blogs, and more.

Customer Reviews

4.5 out of 5 stars
5 star
4 star
3 star
2 star
1 star
See all 4 customer reviews
Share your thoughts with other customers

Most Helpful Customer Reviews

7 of 9 people found the following review helpful By Dr. Joseph S. Maresca HALL OF FAMETOP 1000 REVIEWER on July 11, 2009
Format: Paperback
The book is a good primer on how to review
retirement needs dispassionately. Some key elements
are as follows:
o be wary of too much credit and credit cards
o strive for an investment mix of 60% stocks
25% bonds and 15% cash or more
o utilize a retirement needs calculator to be more precise
o consider a second career to supplement income
o some retirees are adept at developing small businesses
o be wary of annuities because they may not pass down
to family and relatives when you die
o try to stay within a limit of withdrawing 4% savings
per year in retirement
o some retirees seek to live in cheaper geographic areas
so that the dollar stretches further
i.e. You can still pay $100/month for an apartment in
parts of Bulgaria and health care is free after
a short residency period passes.

Overall, the acquisition would be helpful for your
retirement planning. The author anticipates some of
the worst pitfalls which befall retirees and their
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
4 of 5 people found the following review helpful By Stephen W. on July 29, 2009
Format: Paperback
The cover of this book caught my eye at the bookstore and when I saw on the back that everyone from MONEY to BUSINESSWEEK was raving about it, I knew it was a financial must-read! The authors are so clear and concise and really helped me understand concepts that before seemed "greek to me." I'm always weary of personal finance books for giving people unrealistic ideas about how to get rich. This one is so great because it's no bs. If you can't afford to retire, the authors aren't going to tell you that you can. They know people saw their 401(k)s evaporate in the financial crisis and they're here to tell you what to do now. I highly recommend this book if you care a dime about your financial future.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
3 of 4 people found the following review helpful By M. Saavedra on July 1, 2009
Format: Paperback
The cover caught my eye and the content kept my attention. Save your Retirement provides the most comprehensive, infinitely practical advice I have ever read. The author doesn't confuse the reader with complicated terms (nor does he treat you like an idiot, like other books). I have recommended this book to friends. It is packed full of great information regardless what stage of life you are in, it helps you form an action plan. The book also mentions an accompanying website, [...] I've browsed through the information there and their sister site [...] which has a lot of great financial articles about more than just retirement.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again
Format: Paperback
The hook for this book by Frank Armstrong III and Paul Brown is in the subtitle. Notice it's not "Save FOR your retirement". It's "Save Your Retirement: What do Do if You haven't Save Enough or If Your Investments Were Devastated" is a book of distilled wisdom compiled by a CFP and professional financial journalist.

It's really mostly the gloss they put on it as an excuse to write yet another book on a tired subject. Basically, they suggest you not retire if you can't afford it. Sorry, spoiled it.

But I liked the book overall. I found the structure to be useful, segregated out into different chapters depending on how many years out you were. There were some useful nuggets. As I say, "rules of thumb work pretty well for people with thumbs."

Although I mostly liked it, I had two quibbles about this book. One was that they starkly say "don't buy annuities". Money managers have a HUGE bias against annuities. I really wish people would talk more about the risks and benefits of annuities, because I can think of at least two different scenarios where "definitely buy annuities" would be better advice. Most of the time the correct advice is "consider carefully whether to buy an annuity, because it may be appropriate in your situation and you won't find out from an annuity salesman." That means you DO need to find out from books like this, and it totally dropped the ball on it.

The other quibble was that it didn't really talk about percentages you need to be saving. I've seen some really decent scholarship saying that the savings RATE is really super important, more than the amount you've got saved at any given moment, in terms of being able to reproduce your desired lifestyle.
Read more ›
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback. If this review is inappropriate, please let us know.
Sorry, we failed to record your vote. Please try again

What Other Items Do Customers Buy After Viewing This Item?