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Work Less, Live More: The Way to Semi-Retirement Paperback – September 30, 2007
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Sections on developing a retirement portfolio and a withdrawal strategy are certainly valuable for those who have already retired. (Lynn O'Shaughnessy 2009-01-01)
Very highly recommended for everybody seeking an alternative to their currently dissatisfactory career and better, more fulfilling lives. (Midwest Book Review 2009-01-01)
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 2009-01-01)
[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 2009-01-01)
Clyatt backs up his advice on investing and spending during retirement with solid academic research. (San Diego Union-Tribune 2009-01-01)
A guide about living outside the suffocating culture of consumption and overwork. (The Columbus Dispatch 2009-01-01)
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 2009-01-01)
Terrific advice on how to safely reach semi-retirement while still in the prime of life. (Mark Goines 2009-01-01)
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!
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Recognize when the author is discussing taking retirement income from your nest egg, his approach is based entirely on leaving behind the same $$ vale you started with - for me, his approach leaves the retiree(s) pinching pennies rather than enjoying the fruits of their work and savings.
In any case (regardless of whether you choose this second edition OR the now more affordable first edition), this admirable, commendable book could be of some significant help to many early (and would-be) retirees. Especially intriguing are Clyatt's recommended "Rational Investing Portfolio" and "maximum safe-withdrawal rate" sections (not that he himself necessarily "invented" either of those basic concepts--i.e., there's little, if anything, here that's TOTALLY innovatory). But even many of the other (relatively less essential) sections are fairly helpful too, if only because they provide considerable "encouraging" discussion/advice.
Bottom line, this book is actually one of the best, most likable titles in the "early-retirement-investing" genre. Just don't be overly impressed by the second edition's cover's gimmicky emphasis on the term "SEMI-retirement" vis-à-vis the first edition's use of the conventional term "early retirement." Heck, even in the first edition, the author interchangeably implements the term (or concept of) "semi-retirement." (It's merely a trivial matter of semantics. The two terms are essentially synonymous in Clyatt's virtually unchanged discussion.)
The tone is pitched just right for people who have been saving and investing for years and are informed but still need some basic guidance for this new period of life. The book gives you strong kudos for living below your means and then helps you figure out how that translates into leaving the rat race earlier than you could ever have hoped for. I especially liked the chapters "Put Your Investing on Autopilot," "Take 4% Forever," and "Do Anything You Want, But Do Something." Each of them have very specific advice, examples, and resources and appealed to me in their simplicity.
I really couldn't have found a better book as I contemplate leaving corporate America at age 48, and I plan to refer back to it many times. Now I feel more ready and excited "to pursue the rest of my life"...