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Buckets of Money: How to Retire in Comfort and Safety Hardcover – February 23, 2004

4.2 out of 5 stars 42 customer reviews

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Editorial Reviews

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"...this book is a must-have if you want to make the most of your financial opportunities." -- Jordan Goodman, Author of Everyone's Money Book

This book is a must-have if you want to make the most of your financial opportunities. -- Jordan Goodman, Author --This text refers to an out of print or unavailable edition of this title.

From the Author

The Richest Guy In The Cemetery

"Being successful in the retirement game doesn't mean becoming the richest guy in the cemetery...it means living as richly as possible the latter third or so of your life."

-- Ray Lucia, CFP --This text refers to an out of print or unavailable edition of this title.

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Product Details

  • Hardcover: 320 pages
  • Publisher: Wiley; 1 edition (February 23, 2004)
  • Language: English
  • ISBN-10: 0471478660
  • ISBN-13: 978-0471478669
  • Product Dimensions: 6.4 x 1.2 x 9.3 inches
  • Shipping Weight: 9.6 ounces (View shipping rates and policies)
  • Average Customer Review: 4.2 out of 5 stars  See all reviews (42 customer reviews)
  • Amazon Best Sellers Rank: #679,260 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

By A Customer on September 24, 2002
Format: Hardcover
This is not really a book about how to amass your retirement savings, but rather what to do with it when you are retired. The system is simple. You have 3 buckets. In bucket number 1 you put your money for the next 5-7 years. Bucket number 2 is for the next 5-7 year period after that. And finally, bucket number 3 is for the money you will not need for 10-14 years. The book then discusses the proper investment choices for each bucket, how to rebalance them when necessary.
The plan makes sense and seems simple. The only part I was not entirely clear on is when to move items from bucket 3 to bucket 2. Maybe I missed it. In any case, the book was a good read and I plan on reading it again when I get closer to retirement.
I'm looking forward to Ray's next book (the radio show is good too).
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By A Customer on January 8, 2004
Format: Hardcover
I first became aware of Mr. Lucia and his "BrainTrust" (Rick Plum, Rob Butterfield, Jr., and John Dean) when his long-running (14 year) San Diego-based radio show went national and became syndicated with Business Talk Radio at the end of 2000; I thank the day I stumbled upon this sage. The show has become increasingly popular and now airs in around 60 markets. Once limited to the greater San Diego area, this show is now educating people all across the country. This book continues the process of finally bringing Ray Lucia to an even broader audience.
Lucia's show and this book avoid the ridiculous "buy, sell, hold" approach that permeates the work of so many other financial gurus. This is not a "get rich quick" or "doom and gloom" book. Lucia does not pretend to know what direction markets or any individual security is going in the short-term. He sticks to what he knows (and what you need to know). This book is about much more than asset allocation and diversification. It is solid advice based on the prestigious 30-year career of Lucia and his highly competent associates.

If you want books that teach you how to learn how to do a solid fundamental analysis of securities, I recommend the classics by Benjamin Graham, by Peter Lynch, by Philip Fisher, by Louis Engel and about Warren Buffett. If you want a book that takes a refreshing approach and truly carves out a niche by focusing on financial planning, Lucia's book is the book for you. In many ways, Lucia's book is a more relevant read than any of the above mentioned authors.
Believers in an efficient market understand the other authors can only take you so far. Lucia takes you several steps further by sharing financial planning strategies that will work for everybody.
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Format: Hardcover
In some ways this book is like the other books out there: work hard, save money, let it compound. However, he does preach something that no other book I have read teaches. Most people say you save all your life and then you retire, and that is where they end their story. They focus on all the ways to save up enough money to retire and live off the interest. However, for most people that is impractical, and impossible for some. This book on the other hand gives you a good way to think about how to deal with your money in stages, and realize that retirement is not the end of your investing. Easy read, lots of good info, not too many stats to bog you down. Overall, very glad I read it.
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Format: Hardcover Verified Purchase
This book introduces a new way of how to handle the vexing problem of dealing with the ups/downs of the stock market while winding down your retirement savings. While I'm not buying into the exact plan presented by Mr Lucia, I am planning on a variation of his plan utilizing annuities as part of the bucket plan.

What this book does in introduces you to some of the problems you may encounter when dealing with the stock market and winding down you assets in retirement. The real gem in this book isn't the exact details of the proposed plan presented in the book, but the basic concept and the things you need to consider on how to use the various tools to deal with the surprises the market is going to present to you in your retirement and how to make sure you don't run out of funds before you die.

Here is a list of some of the books I have read in preparing for retirement, and a one-liner, and ranking for each. I will order them in the order I would read them:

1. The AARP Retirement Survival Guide: How to Make Smart Financial Decisions in Good Times and Bad (Julie Jason)
Rank: 5/5
Summary:Real good overview and introduction to the many considerations for retirement.

2. Buckets of Money: How to Retire in Comfort and Safety (Raymond Lucia)
Rank: 4/5
Summary: Interesting concept on planning for retirement. Although I'm not sure I will use the plan Raymond lays out here, I think the general concept is a real good idea on how to think about tapping your assets as you plan for retirement.

3.
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Format: Hardcover
I really enjoyed reading Ray's book, and it helped me to understand the "Buckets" philosophy he talks about on the radio. It's a great retirement strategy, although you do have to be somewhat disciplined at saving to make it all work properly. It also requires you to take money from only about 5% of your portfolio each year, which some people may or may not be able to do, so if you're used to taking huge chunks of cash from your savings each year you might not be able to follow it. It seems rather foolproof (which I like), and while it doesn't promise huge returns on your money (it's very conservative), it does make sure that you never run out of money even if we run into another "bad run" in the stock market. I wish I read it two years ago, but that's the breaks.
I also enjoy his radio show, he's much better than that boring Ramsey guy that follows him. Maybe I'll get the nerve to call in one day and ask a question to the Braintrust!
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