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Work Less, Live More: The New Way to Retire Early Paperback – October 30, 2005
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"Terrific advice on how to safely reach semi-retirement while still in the prime of life." -- Mark Goines, early semi-retiree & Intuit veteran
Considering semi-retirement? Work Less, Live More provides a rational investment system based on Nobel Prize-winning research, a safe lifelong withdrawal plan and sensible spending guidelines. With this book and a plan for semi-retirement, you can:
- work fewer hours
- realize your goals and dreams
- spend more time with family
Includes all the legal forms you need! --This text refers to an alternate Paperback edition.
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However, it's definitely not for a regular person who earns an average income throughout their working career, and who is lucky to have saved enough for retirement at age 65.
I think in 2007 that the author was on the right track. The unfortunate part is that with Obama, recession, the housing bubble and unrelenting Number of legal immigrants, yes I said legal immigrants from the third world has taken all of the growth jobs in America. Without a labor shortage, there will never be the America that there was in 2007 and prior.
Work less, Livmore will turn into… Get laid off, never work again, accept living off the government and pray you can get or fake an illness that will get you Social Security disability so that you can at least die with a roof over your head.
I'd be remiss if I failed to mention that the sections of this book that deal with investing and portfolio selection are in and of themselves worth many times the cost of the book. It's a rare writer indeed who can distill Modern Portfolio Theory, the collected works of Fama & French, William Bernstein and Jack Bogle down to a slim chapter of actionable advice but Clyatt pulls it off. In my estimation the approach recommended here - truly global investing using non-correlated asset classes while taking only enough risk to meet needs - is even more relevant today than it was 8 years ago given the greatly increased level of macroeconomic and political uncertainties we're facing.
I suggest reading the book, then perusing the author's web site in support of it for portfolio updates and reflections, while also checking out his (linked) art site where you can savor the world-class sculpture he offers the world as one of the many gifts of a well-timed exit from the full-time rat race.
My wife and I were looking to either retiring or at least semi-retiring and we got some excellent information, hope and encouragement from this book and it's companion workbook/CD. It's really not just for the young and independently wealthy as one reviewer eludes, we're neither. We did own our own business and have since sold that business and launched into retirement. After a year of doing what I want when I want, not being on call, or catering to others, EVEN if I end up eating beans until I die, I would not go back. Viva Liberte!
2014-04-16: A recent comment from someone who read this review inspired me to add an addendum. Since selling our business in 2009 and officially retiring life has been so rewarding. Beside spending more time with our children and grand children we've traveled back and forth across America twice. first in 2010 with a Pop Up camper and more recently in 2013 towing a 29' Airstream. We are so grateful for the freedom we are able to enjoy.
Pertaining to the book I want to especially mention that it devotes a good deal of information toward properly investing ones money to build a nest egg for retirement. Bob's investment strategy inspired me to really look into the world of investing. Before I had always trusted someone else handle this and to look out for me. Fortunately I was lucky enough to have at least a relatively honest broker, but that said I discovered that his fees had really been hurting me over the years and that by simply switching to no-load low cost (management fees) indexed mutual funds I was able to sleep much better at night and see more of our returns benefiting us than our broker. I did not even do anything as complicated as Bob described. I simply moved my accounts to Vanguard and changed all of the investments (particularly the IRAs and 401Ks) that made financial and tax wise sense. Today I feel very satisfied with where I'm at. I owe this sense of well being to to Bob's book as it opened my eyes to how simple and worthwhile handling my investment accounts personally could be.