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You Can Retire Sooner Than You Think Kindle Edition

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Length: 272 pages Word Wise: Enabled
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Editorial Reviews

About the Author

Wes Moss is a Certified Financial Planner, Chief Investment Strategist for Capital Investment Advisors, and host of the popular radio show Money Matters. He was named one of the country's top 40 fee-only investment advisors under the age of 40 by Wealth Management magazine, and in 2014 Barron's named him one of the top financial advisors in America. For more information, visit

Product Details

  • File Size: 2029 KB
  • Print Length: 272 pages
  • Publisher: McGraw-Hill Education; 1 edition (May 23, 2014)
  • Publication Date: May 23, 2014
  • Sold by: Amazon Digital Services, Inc.
  • Language: English
  • Text-to-Speech: Enabled
  • X-Ray:
  • Word Wise: Enabled
  • Lending: Not Enabled
  • Enhanced Typesetting: Not Enabled
  • Amazon Best Sellers Rank: #46,958 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
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More About the Author

Wes Moss is the host of MONEY MATTERS - Atlanta's longest running live call-in, investment and personal finance radio show on News 95.5 FM and AM 750 WSB Radio. His show is also available on iTunes as a podcast.

Wes is the Chief Investment Strategist at Capital Investment Advisors (CIA). CIA currently manages more than a billion dollars in client assets, making it one of Georgia's largest Fee-Only investment firms, according to the Atlanta Business Chronicle. He is also a founding partner of Wela, a digital advisory service launched in 2014 focused on helping beginning investors and the mass affluent. In 2012 he was named as one of the top 40 fee-only investment advisors (under 40) in the country by Wealth Management Magazine. In 2015 and 2014, Barron's Magazine named him as one of America's top 1,200 Financial Advisors.

In addition, Wes is a weekly guest financial columnist for, the website of The Atlanta Journal-Constitution. He is also the editor and writer for's Financial Planning blog. In 2014, Wes was the host of Atlanta Tech Edge, a weekly TV show on Atlanta's NBC affiliate WXIA, covering the fascinating business of technology within the state of Georgia.

Wes holds a degree in economics from the University of North Carolina, Chapel Hill. Wes lives in Atlanta with his wife and three sons and loves spending time with his family, coaching lacrosse, and playing golf and tennis.

Wes has written several books including Starting from Scratch (Kaplan) and Make More, Worry Less (FT Press) and has served as a financial expert for both local and national media including CNN, CNBC and Fox Business Network. He has been interviewed by USA Today, Forbes, Time, the Wall Street Journal, and Yahoo Finance.

His latest book, You Can Retire Sooner Than You Think - The 5 Money Secrets of the Happiest Retirees (McGraw Hill 2014) has been a best seller in the retirement planning category. The book's unique message and research has struck a chord with readers and the financial community since its release in May of 2014.

Customer Reviews

Most Helpful Customer Reviews

64 of 69 people found the following review helpful By Ernie Zelinski - The Prosperity Guy on August 7, 2014
Format: Kindle Edition Verified Purchase
The title "You Can Retire Sooner Than You Think" and subtitle "The 5 Money Secrets of the Happiest Retirees" were intriguing enough for me to buy the book without reading any of the other reviews. Having read many retirement books, I have to rate this as one of the best retirement books ever. The book delivers big in interesting facts and in presentation of the facts. Although I have written one of the most successful books about the non-financial aspects of retirement, some of the traits of the happiest retirees were a surprise to me.

Here is what the book addresses: "Does money buy happiness in retirement?"

Here is the answer: "It does and it doesn't."

The happiest retirees, according to Wes Moss, are the those who live in the middle, who he calls "Masters of the Middle." Moss doesn't believe that you have to be frugal in retirement just as you don't have to be frugal when you are working. In other words, he doesn't believe in the deprivation mentality.

It was interesting to find out that the happiest retirees take an extra vacation each year compared to unhappy retirees. Happy retirees take an average of 2.4 vacations a year because they love to explore.

Not surprisingly, a happy retirement requires a balance of staying busy and staying curious. Just as important, to be a happy retiree, you must be living with purpose. Living with a purpose means having core pursuits, hobbies that empower you. Core pursuits are things that people really look forward to doing throughout the year, whether it's biking or visiting the grandkids or volunteering. Interestingly to me, volunteering is the most popular core pursuit of happy retirees.

There is a great deal more to this book than I have summarized so far.
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67 of 73 people found the following review helpful By Heather Dufault on June 27, 2014
Format: Paperback
I found this to be an easy read with some practical advice. I appreciate the insight on how much you'll need to save for every $1000 you want to have (monthly) in retirement. What I found curious were the examples used throughout the book were of individuals or couples who make (or made) well above the median household income. This alone makes planning for retirement easier. It would have been nice to see more of the examples scaled to those closer to the middle or lower end of the income scale. I feel as though some might not connect to the stories presented and find the change recommendations less than feasible. I would share the book with others but would preface it with "look for the nuggets that you can relate to, don't get frustrated if some of the examples and suggestions seem unattainable."
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88 of 98 people found the following review helpful By BikerChick on August 29, 2014
Format: Kindle Edition Verified Purchase
I thought this was a fair book, but there was not much new information that I wouldn't learn from a financial planner in an hour. The discussion on safe rates of withdrawal, and the buckets of income were helpful. The discussion on the different types of financial instruments was helpful and easy for a layperson to follow as well.

What I found to be a letdown are the real life examples that Mr. Moss uses that out of completely out of touch with average Americans. The first example of soon to be happy retirees is a couple that make $150,000 to $175,000 each. This example is the first one and is given a few pages into the book. Another example provided shows the husband making over $220,000. People making these types of income will easily be able to retire comfortably provided they use common sense in investing, and live beneath their means. The average household income in the United States is somewhere in the low fifty thousand dollar range. I really did not see a purpose for displaying how these couples will be able to retire comfortably- of course they will, unless they are complete idiots in which case they probably wouldn’t be making multiple six figure incomes!

The book also gives many examples of what happy retirees do versus unhappy retirees. Much of this is using correlation to imply causation. Unhappy retirees drive BMWs, while happy retirees drive a Lexus says the book, implying that an unhappy BMW driving retiree can swap vehicles and be in retirement bliss. Happy retirees have a home worth $300,000, while unhappy ones have ones worth $273,000 – with no mention of different regions of the country having vastly different prices for the same house. Happy retirees eat at Olive Garden – yes, this is really a statement in the book! Unhappy retirees read and go fishing.
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29 of 30 people found the following review helpful By LP Salas on July 16, 2014
Format: Kindle Edition
I am not very savvy about financial planning. I'm a good budgeter, but at age 47, I've only thought about retirement in general, far-off terms. I'm SO glad I read this book. After starting to follow the basic steps spelled out here, I'm feeling better about our financial future. I'm learning that we're not only in better shape than I feared, but also that there are some pretty simple steps we can take to make things much better. From rebalancing our portfolio to paying extra on our mortgage principal each month, I now have a handle on what to do. The details in some of the investing chapters are a bit over my head, but even so, I feel confident that I can take concrete steps to make our future life better.

I also like that the book addresses happiness in retirement not JUST as a function of money.

The only thing I REALLY take issue with is the result of Moss' survey that says: Reading is a favorite pursuit of unhappy retirees. A retirement without books is one I would not want to contemplate. I plan to be a happy retiree who spends lots of time reading!
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