How To Make Your Money Last: The Indispensable Retirement Guide Download Free (EPUB, PDF)
“Jane Bryant Quinn is America’s dean of personal finance….The book is a true treasure chest of financial secrets.” —Forbes With How to Make Your Money Last, you will learn how to turn your retirement savings into a steady paycheck that will last for life.Today, people worry that they’re going to run out of money in their older age. That won’t happen if you use a few tricks for squeezing higher payments from your assets—from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and—critically—how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they’ll stretch out your money over many more years. You will also learn to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you’ll still have spending money 10 and 20 years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they’d hoped for, this book will become the essential guide.
Hardcover: 384 pages
Publisher: Simon & Schuster; 1st Edition edition (January 5, 2016)
Language: English
ISBN-10: 1476743762
ISBN-13: 978-1476743769
Product Dimensions: 6 x 1.2 x 9 inches
Shipping Weight: 1.6 pounds (View shipping rates and policies)
Average Customer Review: 4.7 out of 5 stars See all reviews (191 customer reviews)
Best Sellers Rank: #3,262 in Books (See Top 100 in Books) #7 in Books > Business & Money > Personal Finance > Retirement Planning #15 in Books > Business & Money > Personal Finance > Budgeting & Money Management #18 in Books > Business & Money > Investing > Introduction
As I think about retirement, these types of books begin to look more appealing. I actually found it comforting to have an expert identify and discuss the most confusing (and fearful!) parts of retirement--especially knowing for sure one will have enough money.Of course, some of the sections don't apply to everyone, so I just skipped to the parts that were relevant to me. The author has some helpful advice on thinking about how you are going to survive (financially) your golden years. She has a way of writing things clearly and succinctly--bringing out the most important points.Of course, Ms Quinn spends quite a bit of time on the thorny issue of how/when to claim social security benefits. It's been well documented by others, of course, but it was helpful to see an expert's perspective on how long to defer claiming benefits.To see how well you are prepared for retirement, Jane suggests you make a budget of where your money is going now, then add up all your financial assets. She suggests a conservative 4% "draw down" on your savings. And don't make the mistake, she admonishes the reader, of just investing in "income" investments. You really need a more well-rounded portfolio in stocks and indexes--and certainly NOT just a few stocks.For spending purposes, Ms Quinn recommends a concept of money "buckets." For example, you have one bucket to take care of immediate, short-term expenses, and another as an "income portfolio," and so on. You might have one bucket as a "discretionary spending" bucket.I was pleasantly surprised to find some really useful information on the Affordable Care Act--or "ACA.
Jane Bryant Quinn is America’s dean of personal finance. Her columns have appeared over the years in the country’s top papers, magazines, and websites, including Newsweek, The Washington Post, Woman’s Day, Good Housekeeping, and Bloomberg. Jane worked for The CBS Morning News and then for The CBS Evening News with Dan Rather. And she has regularly appeared on ABC’s The Home Show as well as Good Morning America, Nightline, and many other programs.I’ve known Jane for many years and have enormous respect for her integrity and amazingly detailed knowledge of personal finance. I have equally deep respect for her practical, common-sense, and honest financial advice. And I love her no-nonsense style, which comes across so clearly in her writing.If anyone knows how to get us through retirement, it’s Jane. She tells us precisely what to do with no hesitation and in the shortest space possible. And when Jane sees financial fraud, malfeasance, or rip-offs, she tells her readers to stay far far away. In short, she’s on just one person’s payroll — her reader’s.In recent days, I’ve had the great pleasure of examining Jane’s latest of nine books — How to Make Your Money Last – the Indispensable Retirement Guide. The book is a true treasure chest of financial secrets, tips, how to’s, and advice for anyone who is about to retire or has retired. I’ve written about personal financial planning for years and think I have a pretty strong knowledge base, but I learned something important and new every page or two.The book is also of tremendous value for working people, including those just starting out. For example, Jane’s description of how to navigate the Affordable Care Act may be the single best quick operating guide around for anyone using the new health exchanges.
Money: Saving Money: The Top 100 Best Ways To Make Money & Save Money: 2 books in 1: Making Money & Saving Money (Personal Finance, Making Money, Save Money, Wealth Building, Money) How to Make Your Money Last: The Indispensable Retirement Guide Investing 101: A Beginner's Financial Guide for a Rich Life. The Basics on How to Make Money and Build a Wealthy Retirement. (Stocks, Bonds, Gold, Real Estate, Retirement, Assets, Wealth) Make Easy Money Online: Follow in my footsteps and replace your 9-5 job in 30 days with no prior experience (How to make money online, Work less, Make money from home, Build a business) Money: How to earn money with : Earn $5000 per Week Part Time using the power of Arbitrage with Liquidation Products on (How to make money ... on , How to make money with ) HOW TO MAKE MONEY ONLINE: Learn how to make money from home with my step-by-step plan to build a $5000 per month passive income website portfolio (of 10 ... each) (THE MAKE MONEY FROM HOME LIONS CLUB) Make Money Online: 70 Painless Ways to Make Money for $5 Or Less (Make Money Online Now) The All-Weather Retirement Portfolio: Your post-retirement investment guide to a worry-free income for life Money: Saving Money: Success: Get More Money & Success In Your Life Now!: 3 in 1 Box Set: Money Making Strategies, Saving Money Strategies & World's Best ... Tips for Personal Finance & Life Success) The Smartest Retirement Book You'll Ever Read: Achieve Your Retirement Dreams--in Any Economy The Retirement Savings Time Bomb . . . and How to Defuse It: A Five-Step Action Plan for Protecting Your IRAs, 401(k)s, and Other Retirement Plans from Near Annihilation by the Taxman Retirement Planning | The Year Before You Retire - 5 Easy Steps to Accelerate Your Journey to an Early Retirement & Live a Life of Financial Freedom... The Complete Cardinal Guide to Planning For and Living in Retirement: Navigating Social Security, Medicare and Supplemental Insurance, Long-Term Care, ... Post-Retirement Investment and Income Taxes Personal Finance: Budgeting and Saving Money (FREE Bonuses Included) (Finance, Personal Finance, Budget, Budgeting, Budgeting Money, Save Money, Saving Money, Money) The Retirement Rescue Plan: Retirement Planning Solutions for the Millions of Americans Who Haven't Saved "Enough" The Baby Boomer Retirement Breakthrough: The Unfair Advantage for a Safe & Secure Retirement The Truth about Retirement Plans and IRAs: All the Strategies You Need to Build Savings, Select the Right Investments, and Receive the Retirement Income You Want Tools & Techniques of Employee Benefit and Retirement Planning, 11th ed. (Tools and Techniques of Employee Benefit and Retirement Planning) Make Money Online: The Top 15 Ways To Start Making Money Online (How to Make Money Online, 2016) Making Money at Home: Methods to Make Money with Drawing Portraits: How I Made More than $50,000 Selling Art Online and Offline (Ways to Make Money with Art, Selling Drawings)
