Most people are overextended, and overstressed—and feel that the thrill is gone from their worklives. Even those who are not mired in debt or struggling to save for retirement feel they have no choice but to keep slogging away until age 65. The book teaches how to make early semiretirement work, built on: sensible spending,a rational investing method based on Nobel Prize winning research, a safe lifelong withdrawal rate system, and psychological adjustments needed to live a life outside the dominant culture of consumption and overwork.
Work Less, Live More: The Way to Semi-Retirement
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Book Description
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Editorial Reviews
Review
Sections on developing a retirement portfolio and a withdrawal strategy are certainly valuable for those who have already retired. (Lynn O'Shaughnessy 20090101)
Very highly recommended for everybody seeking an alternative to their currently dissatisfactory career and better, more fulfilling lives. (Midwest Book Review 20090101)
In 2001, Bob Clyatt retired at the age of 42. But then the stock market tanked. After a year of fretting, he found his solution: part-time work that he actually enjoyed. In his new book, Work Less, Live More, Clyatt writes about how others can semi-retire early, too. (Motley Fool, Rule Your Retirement newsletter 20090101)
[Bob Clyatt] reconsidered his withdrawal rate, revised his spending plans, reconsidered part-time work and wrote about the whole process in his book, Work Less, Live More. (MSN Money 20090101)
Clyatt backs up his advice on investing and spending during retirement with solid academic research. (San Diego Union-Tribune 20090101)
A guide about living outside the suffocating culture of consumption and overwork. (The Columbus Dispatch 20090101)
Offers intelligent and practical tips on systematic savings, sensible spending and rational investing to make retirement money, even if it is not a fortune, last a lifetime. (Tribune Media Services )
Terrific advice on how to safely reach semi-retirement while still in the prime of life. (Mark Goines )
Very highly recommended for everybody seeking an alternative to their currently dissatisfactory career and better, more fulfilling lives. (Midwest Book Review 20090101)
In 2001, Bob Clyatt retired at the age of 42. But then the stock market tanked. After a year of fretting, he found his solution: part-time work that he actually enjoyed. In his new book, Work Less, Live More, Clyatt writes about how others can semi-retire early, too. (Motley Fool, Rule Your Retirement newsletter 20090101)
[Bob Clyatt] reconsidered his withdrawal rate, revised his spending plans, reconsidered part-time work and wrote about the whole process in his book, Work Less, Live More. (MSN Money 20090101)
Clyatt backs up his advice on investing and spending during retirement with solid academic research. (San Diego Union-Tribune 20090101)
A guide about living outside the suffocating culture of consumption and overwork. (The Columbus Dispatch 20090101)
Offers intelligent and practical tips on systematic savings, sensible spending and rational investing to make retirement money, even if it is not a fortune, last a lifetime. (Tribune Media Services )
Terrific advice on how to safely reach semi-retirement while still in the prime of life. (Mark Goines )
From the Back Cover
Work Less, Live More The New Way to Retire Early by Bob Clyatt Career, Retirement
Ready to pursue the rest of your life?
Professionally, you're experiencing the success that years of hard work brings – but the long hours are taking their toll and you're burning out fast. You see it in your health and even in your family life. Your ambitions no longer include the rat race. You're thinking that retirement can't come soon enough.
Fortunately, there’s an alternative to the grind: Early semi-retirement. Work fewer hours, realize your goals and dreams, spend time with your loved ones – and do it all years, even decades, before the "normal" retirement age of 65.
With Work Less, Live More and a little planning, you can do it.
After several years as a corporate overachiever, Bob Clyatt realized there was more to life than "just this." Using the techniques in this book, Clyatt entered early semi-retirement at 42 and has never looked back.
Work Less, Live More provides a rational investment system based on Nobel Prize-winning research, a safe lifelong withdrawal plan and sensible spending guidelines. More importantly, the book provides inspiring stories and insights of many successful early semi-retirees, walking proof that meaningful work – rather than full-time work – is both fulfilling and rewarding.
Are you ready to pursue the rest of your life? Turn to Work Less, Live More and get going.
Work Less, Live More is for you if you're:
Young and on a mission In your 20s or 30s, working hard and planning ahead
Burning out in the rat race In your 40s or 50s and needing out sooner rather than later
Retired and needing more Already took the plunge and wanting to get the most out of it --This text refers to an out of print or unavailable edition of this title.
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More About the Author
Bob Clyatt pursued a 20-year career in information services and the Internet before semi-retiring at age 42 in 2001. Since then, he and his family live principally off income from their savings in the manner described in his book, Work Less, Live More: The New Way to Retire Early. He continues to work on a part-time basis and is an avid cruising sailor, amateur sculptor and a serious student of yoga. This rich set of activities is only possible because of the large amounts of time freed by working less.
Customer Reviews
Most Helpful Customer Reviews
57 of 57 people found the following review helpful
Relevant, straightforward advice on investing and lifestyle issues faced by all retirees, early and late.
December 5, 2005
Format:Paperback
As one of the early semi-retirees profiled in the book and related to the author, it would be fair to suspect my recommendations here, but I can assure you that Bob has written a complete and concise book addressing the issues to be faced if you wish to break out of the day to day grind of the modern day work force. It may seem like I would be automatically privy to all of this information by virtue of my relation, but the plain truth is that I needed this book, especially the detailed information about where to put my money to make it work the hardest for me. All of the theories and studies from the last 75 years have been boiled down to easily digested and implemented solutions, which I am now in the process of carrying out. Bob also addresses lifestyle issues that I am currently going through, and it helps to know that I am not unique in the problems I am facing regarding constructive use of my time and mind. This information alone is important to all retirees, early or not. It is critical to all humans that we have something stimulating to do every day to avoid sliding into early dementia and depression. Bob covers these subjects and more from an experienced point of view. (This is not to infer that he suffers from dementia, at least not the type brought on by early retirement!)
Bottom line is that for the price of 3 Happy Meals you can set an incredible foundation for the rest of your life, no matter when you actually leave the work force.
Bottom line is that for the price of 3 Happy Meals you can set an incredible foundation for the rest of your life, no matter when you actually leave the work force.
33 of 36 people found the following review helpful
Format:Paperback
I have read many retirement books and this is the most well organized and clearly written of them. This is one that you will want to keep handy for reference. It has given me the assurance that I need to take a major step towards semi-retirement. I also emailed the author and received a gracious and helpful reply!
45 of 51 people found the following review helpful
Format:Paperback|Amazon Verified Purchase
This is the most useful and carefully written of literally dozens of
books on retirement and financial planning I've read. As a writer myself
I appreciate how hard it is to write so clearly and concisely about
complex matters. There's a tremendous amount of research and expertise
backing up every section of the book, and the investment planning section
in particular is superb.
Mr. Clyatt's expertise is made all the more accessible by his obvious
warmth and compassion for the difficulties faced by anyone contemplating
a full or partial retreat from the world of full-time work.
books on retirement and financial planning I've read. As a writer myself
I appreciate how hard it is to write so clearly and concisely about
complex matters. There's a tremendous amount of research and expertise
backing up every section of the book, and the investment planning section
in particular is superb.
Mr. Clyatt's expertise is made all the more accessible by his obvious
warmth and compassion for the difficulties faced by anyone contemplating
a full or partial retreat from the world of full-time work.
Most Recent Customer Reviews
work less
Very interesting read. I highly recommend that you read it before you burn out at work. It made me appreciate my life and what I have to offer outside of a paycheck.
Published 2 months ago by dina sore
No depth at all... for that buy my other book! Says Bob Clyatt
I have read a dozen plus finance books and this offers nothing new and most of it is too general to be all that usefull. Read more
Published 5 months ago by Jason Smith
Retire or Semi-retire and Kick the Rat Race
If you are thinking about an exit strategy or if you've made the exist and wondering what you've done and how to make it work this book can give you answers. Read more
Published 21 months ago by PeteW
Despite the publisher's hype for this SECOND (2007) edition...
MY take (in brief) is that there's little new in this SECOND (2007) edition that wasn't covered nicely by the FIRST (2005) edition [i.e. Read more
Published 21 months ago by Henry Thoreau
Prioritizing Your Life
For some of us, work is a pleasure; it's more recreation than labor. If anything, it's a labor of love.
For most of us, however, work is a drag. Read more
For most of us, however, work is a drag. Read more
Published on December 10, 2009 by Larry Underwood
Tons of good, usable financial and motivational advice
I read this book cover to cover after getting it and am now going through it more slowly, taking notes on all the useful bits of advice. Read more
Published on June 1, 2008 by Lectrice
Book is Fine for Young, Aggressive Corporate Types
This book might be recommended to young, aggressive high-earning corporate types, who perhaps are able to save extremely aggressively from about around age 25 until 45, and then... Read more
Published on March 5, 2008 by David M. Tifft
Great Book
I haave read this book many times. I find myself refering back to it over and over again. This is one of the best books on early retirement.
Published on October 26, 2007 by Matt
Excellent resource on several levels
If you have spent the last twenty years working toward the dream of Early Retirement as I have then this book will give you the tools to complete your plan. Read more
Published on September 19, 2007 by Early Retired at 43
Retirement Planning
A good pre- and post retirement planning and strategy book. It is a good easy read. Primarily basics and generalizations with just enough details to support the concepts. Read more
Published on August 28, 2007 by F. Weitz
Inside This Book
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Key Phrases - Statistically Improbable Phrases (SIPs):
(learn more)
safe withdrawal rate, annual withdrawal amount, safe withdrawal rates, portfolio survival, below your means, portfolio each year, portfolio earnings, withdrawal method, investing method, fund management fees, car depreciation, annual spending Key Phrases - Capitalized Phrases (CAPs): (learn more)
Rational Investing, Social Security, Rule Standard, Live More Workbook, The Work Less, Bob Clyatt, Safe Withdrawal Method, United States, Denotes Index Fund, Living Below Your Means, Stock Fund, Puerto Rico, Ram Dass, Exchange Traded Funds, Shifting Your Thinking, Cutting Back, Silicon Valley, North Carolina, Rate Timeframe, Big Rocks, Reduce Spending, David Bach, Moving From Work, Asset Class Funds Notes, John de Graaf Browse Sample Pages:
Front Cover | Table of Contents | First Pages | Index | Surprise Me!
safe withdrawal rate, annual withdrawal amount, safe withdrawal rates, portfolio survival, below your means, portfolio each year, portfolio earnings, withdrawal method, investing method, fund management fees, car depreciation, annual spending Key Phrases - Capitalized Phrases (CAPs): (learn more)
Rational Investing, Social Security, Rule Standard, Live More Workbook, The Work Less, Bob Clyatt, Safe Withdrawal Method, United States, Denotes Index Fund, Living Below Your Means, Stock Fund, Puerto Rico, Ram Dass, Exchange Traded Funds, Shifting Your Thinking, Cutting Back, Silicon Valley, North Carolina, Rate Timeframe, Big Rocks, Reduce Spending, David Bach, Moving From Work, Asset Class Funds Notes, John de Graaf Browse Sample Pages:
Front Cover | Table of Contents | First Pages | Index | Surprise Me!
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