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You Can Retire Early!: Everything You Need to Achieve Financial Independence When You Want It Paperback – November 7, 2017
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"Through storytelling and actionable advice, Hayes lays out the step-by-step process anyone can take to retire early enough to enjoy it. By the end of the You Can Retire Early, you should know how to develop a personalized retirement plan, maximize your income, understand opportunity cost, and select the right investment vehicles for your needs." (The Simple Dollar)
About the Author
Deacon Hayes is a financial expert, speaker, and podcaster. He is the founder of a financial education company that provides personal finance curriculum for people across the world. He has been featured in many news publications including Yahoo Finance, US News & World Report, Investopedia, and CNN Money. He has helped thousands of people develop a financial game plan so that they can achieve their financial goals in life, and is the author of How to Retire Early.
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The author covers not only how to create a plan to achieve early retirement and steps to get you there, but most importantly, how to stick with the plan and deal with those roadblocks that you are likely to encounter on your journey.
Creating a plan to retire early can seem like an overwhelming dream, but this book breaks it down into easy, actionable steps and gives you the tools and resources to help you make your dream a reality.
If you are in debt this book is still applicable as it teaches timeless approaches that will grow your money regardless of which financial stage you are in. It will also help you get out of debt as the author is speaking from personal experience which I really appreciate.
This is a not a book that will teach sketchy investing techniques that supposedly will make you rich. This is about you putting in the work and reaping the benefits yourself. Overall, it is a great book that I would recommend to anyone!
While most of the information is good, some is not. For example, he states "you can't use 401k monies for the purposes of early retirement". In fact, rolling your 401k into an IRA when you retire early, and taking a SEPP/72(t) distribution is perhaps *the* key early retirement strategy, preventing high taxes later in life when you've got SS income and required minimum withdrawals from your traditional-type accounts. Other advice that could use improvement: the expected return of stocks going forward is closer to 6-7% than 11% by any reasonable measure in this low return world (just because CDs averaged 7% returns over the last few decades doesn't mean you can get a 7% return today) and robo-advisors are to be avoided - cut out the risk and fees of the middle men and invest directly with Vanguard (should take only an hour per year to manage your early retirement portfolio). The author also mentions blue chip and dividend paying stocks a lot, perhaps not understanding that there's no free lunch in these, and total market index funds (one US, one foreign) are the only stock investments you should make.
There's also missing information for the early retiree. For example, withdrawal rates vary greatly by retirement age. You can't expect, as the book states, a 4% withdrawal rate to survive a 50 year period. Also, single premium immediate annuities, whereby you convert your remaining savings to an income stream later in life, should have been discussed, as they can help enable an early retirement as much as any budgeting strategy. And what about TIPS (inflation protected bonds)? These are another key to early retirement, since you can buy them 30 years out if you accumulate savings while young, and get a decent real return.