From Wes Moss - named by Barron's as one of America's top financial advisors
"The keys that Wes Moss identifies to having a happy retirement are simple but brilliant. Read this book." —Clark Howard, #1 New York Times bestselling author of Living Large in Lean Times
"Financial planner Wes Moss offers you something different - not just a plan to retire, but a way to do it sooner and to be happy when you do." —Atlanta Journal Constitution
If you think you need to win the lottery or work until you're 75 to retire with financial stability, Money Matters host Wes Moss has very good news for you. You Can Retire Sooner Than You Think reveals the secrets for ensuring a successful retirement - sooner rather than later.
After conducting an intensive study of happy retirees to learn the financial practices they hold in common, Moss discovered that it doesn't take financial genius, millions of dollars, or sophisticated investment skills to ensure a safe, solid retirement. All it takes is five best practices:
Determine what you want and need your retirement money for
Figure out how much you need to save
Create a plan to pay off your mortgage in as little as five years
Develop an income stream from multiple sources
Become an income investor
Getting on the fast track to a great retirement is a lot simpler than the retirement professionals would have you believe. You Can Retire Sooner Than You Think provides the proven-effective, five-step formula for creating the retirement of your dreams.
Audible Audio Edition
Most Helpful Customer Reviews
The title "You Can Retire Sooner Than You Think" and subtitle "The 5 Money Secrets of the Happiest Retirees" were intriguing enough for me to buy the book without reading any of the other reviews. Having read many retirement books, I have to rate this as one of the best retirement books ever. The book delivers big in interesting facts and in presentation of the facts. Although I have written one of the most successful books about the non-financial aspects of retirement, some of the traits of the happiest retirees were a surprise to me.
Here is what the book addresses: "Does money buy happiness in retirement?"
Here is the answer: "It does and it doesn't."
The happiest retirees, according to Wes Moss, are the those who live in the middle, who he calls "Masters of the Middle." Moss doesn't believe that you have to be frugal in retirement just as you don't have to be frugal when you are working. In other words, he doesn't believe in the deprivation...
I found this to be an easy read with some practical advice. I appreciate the insight on how much you'll need to save for every $1000 you want to have (monthly) in retirement. What I found curious were the examples used throughout the book were of individuals or couples who make (or made) well above the median household income. This alone makes planning for retirement easier. It would have been nice to see more of the examples scaled to those closer to the middle or lower end of the income scale. I feel as though some might not connect to the stories presented and find the change recommendations less than feasible. I would share the book with others but would preface it with "look for the nuggets that you can relate to, don't get frustrated if some of the examples and suggestions seem unattainable."
I thought this was a fair book, but there was not much new information that I wouldn't learn from a financial planner in an hour. The discussion on safe rates of withdrawal, and the buckets of income were helpful. The discussion on the different types of financial instruments was helpful and easy for a layperson to follow as well.
What I found to be a letdown are the real life examples that Mr. Moss uses that out of completely out of touch with average Americans. The first example of soon to be happy retirees is a couple that make $150,000 to $175,000 each. This example is the first one and is given a few pages into the book. Another example provided shows the husband making over $220,000. People making these types of income will easily be able to retire comfortably provided they use common sense in investing, and live beneath their means. The average household income in the United States is somewhere in the low fifty thousand dollar range. I really did not see a purpose...
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