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Buckets of Money: How to Retire in Comfort and Safety Hardcover – February 23, 2004
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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
"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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Top Customer Reviews
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).
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.Read more ›
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)
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)
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.Read more ›
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!
Most Recent Customer Reviews
Not a bad approach. However you have to read this with a grain of salt. The model he suggests may not be the best for everyone, although he makes it sound as if it is. Read morePublished 3 months ago by kim cohn
Start early and follow this excellent advice for a secure future.Published 4 months ago by DIANE L DARLING
Great book. Practical. Don't buy his next book as it basically repeats this one. What I learned has totally changed the way I invest and allocate my money.Published 8 months ago by paul reece
Good advice. Well written. Helped my and many friends with a very important decision.Published 12 months ago by Lamplighter
WARNING: DO NOT BUY!!! I really wish I'd read all the reviews on here before buying this, but luckily I uncovered the facts on my own before relying on the book. Read morePublished 17 months ago by M. McWhorter
Yo Ray, I suggest that you try to save when you are living hand-to-mouth. It's not so easy, is it?Published 20 months ago by logo-a-go-go