{"title":"Retirement Planning","description":null,"products":[{"product_id":"the-bond-book-everything-investors-need-to-know-about-treasuries-municipals-gnmas-corporates-zeros-bond-funds-money-market-funds-and-more","title":"The Bond Book: Everything Investors Need to Know About Treasuries, Municipals, GNMAs, Corporates, Zeros, Bond Funds, Money Market Funds, and More","description":"In today’s volatile financial environment, growing numbers of investors are looking to flee the stock market in search of safer ground. While the bond market has often been a “safe haven,” confusing new bonds and bond funds make it increasingly difficult for unfamiliar investors to choose the correct fixed income investments. The Bond Book provides investors with the information and tools they need to make bonds a comforting, important, and profitable component of their portfolios. Thoroughly revised, updated, and expanded from its bestselling first edition, this all-in-one sourcebook includes: *A new section on using the Internet to research, buy, and sell bonds *A new chapter devoted to increasingly popular foreign bonds *Detailed information on the inflation-linked Treasury bonds *Explanation of the new categories of bond funds *Tips on how to evaluate and buy bond funds, ISBN13: 9780071358620 ISBN10: 0071358625 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51244414173491,"sku":"CH_11-25-24_PHA_301KP6","price":15.19,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/71DEQmTo0_L.jpg?v=1753606020"},{"product_id":"the-retirement-savings-time-bomb-and-how-to-defuse-it-a-five-step-action-plan-for-protecting-your-iras-401ks-and-other-retirementplans-from-near-annihilation-by-the-taxman","title":"The Retirement Savings Time Bomb . . . and How to Defuse It: A Five-Step Action Plan for Protecting Your IRAs, 401(k)s, and Other RetirementPlans from Near Annihilation by the Taxman","description":"The premier guide for retirement and investment planning by \"America's IRA Expert\" (Mutual Funds magazine)-fully updated to reflect the recent tax rule changes\n\nWith the possible e xception of home property, the most valuable asset for most Americans is their retirement fund. Yet most people don't know that the IRS is waiting to grab up to 90 percent of their hard-earned retirement savings. Now, in this fully updated edition of The Retirement Savings Time Bomb, renowned tax advisor Ed Slott explains in clear-cut layman's terms what people need to know to keep their money and pass it on to their families., ISBN13: 9780143113362 ISBN10: 0143113364 Material Type: paperback","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51244747129139,"sku":"06-02-23_PHA_600OQY","price":9.46,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/51IcwnZAV0L.jpg?v=1753608255"},{"product_id":"your-complete-retirement-planning-road-map-a-comprehensive-action-plan-for-securing-iras-401ks-and-other-retirement-plans-for-yourself-and-your-family","title":"Your Complete Retirement Planning Road Map: A Comprehensive Action Plan for Securing IRAs, 401(k)s, and Other Retirement Plans for Yourself and Your Family","description":"Corporate pensions are disappearing. Social Security is in trouble. And the sizable postwar generation is reaching retirement age. With the futures of millions of Americans at stake, Ed Slott, the country’s foremost retirement planning adviser, now offers expert advice on weathering the perfect storm of financial instability that looms on the horizon. Your Complete Retirement Planning Road Map provides clear step-by-step directions through the highways and byways of IRAs, 401(k)s, 403(b)s, and other major accounts.\n\nIn five focused sections, Slott combines crucial facts with checklists and questionnaires to teach investors and beneficiaries alike the best way to save and to maximize an inheritance. Inside you’ll discover\n\n• an overview of every retirement savings account you own–from what it is and where it is to who gets it and how, plus where to put important data\n• how to properly fill out retirement account beneficiary forms so that money goes to whomever you choose and not to relatives who pop up out of nowhere\n• what to do when you inherit so that you won’t lose any tax benefits or make a mistake that could wipe out an inherited fortune that took years to build up\n• how to handle out-of-the-box issues such as divorce or incapacity; tax issues for unmarried partners; decisions about trusts\n• how to determine whether your professional retirement adviser is really up to the task of preserving and protecting your money\n• the most up-to-date information on tax laws, including the Pension Protection Act, which provides major new retirement incentives that you can take advantage of\n\nYour Complete Retirement Planning Road Map is an indispensable planning solution that is sure to become the standard how-to on a complex subject that is becoming relevant to more people every day.\n\n“IRA savant Ed Slott [helps] you make the most of your retirement earnings or inherited account.”\n–USA Today\n\n“Ed Slott knows more about the care and feeding of IRAs than anybody else.”\n–Newsday, ISBN13: 9780345494566 ISBN10: 0345494563 Material Type: paperback","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51247297954099,"sku":"08-22-23_PHA_300UL9","price":8.8,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/61uC7seyt4L_10b1c71b-4d1b-4146-9086-affc7ca7d3b5.jpg?v=1753616759"},{"product_id":"ernst-youngs-retirement-planning-guide","title":"Ernst \u0026 Young's Retirement Planning Guide","description":"Use the New Tax Law to Retire on Your Terms\n\nAre you planning your retirement with the Economic Growth and Tax Relief Reconciliation Act of 2001 in mind? If not, you could be missing out on i, ISBN13: 9780471083382 ISBN10: 0471083380 Material Type: paperback","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51248914137395,"sku":"03-12-23_ART_600CMC","price":8.39,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/61FQlwf5s4L.jpg?v=1753651086"},{"product_id":"rattiners-financial-planners-bible-the-advisors-advisor","title":"Rattiner's Financial Planner's Bible: The Advisor's Advisor","description":"\"Jeff Rattiner has found another way to help producers. This book is a must-have for financial advisors, especially those that aspire to be Million Dollar Producers.\"\n-Thomas B. Gau, CPA, CFP, ISBN13: 9780471220343 ISBN10: 0471220345 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51248925147443,"sku":"52.98_1240490_20210911_8180","price":19.98,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/611d6VTDbiL.jpg?v=1753651145"},{"product_id":"parlay-your-ira-into-a-family-fortune","title":"Parlay Your IRA into a Family Fortune","description":"Ed Slott s book The Retirement Savings Time Bomb . . . and How to Defuse It taught Americans how to protect their hard-earned cash from the IRS s coffers. Now, America s IRA expert (Mutual Fu, ISBN13: 9780670033966 ISBN10: 0670033960 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51251681001779,"sku":"OZ_12-12-23_UBD_300A9A","price":12.41,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/51TWNZW47HL.jpg?v=1753657523"},{"product_id":"the-living-trust-the-fail-proof-way-to-pass-along-your-estate-to-your-heirs-without-lawyers-courts-or-the-probate-system","title":"The Living Trust: The Fail-Proof Way to Pass Along Your Estate to Your Heirs Without Lawyers, Courts, or the Probate System","description":"The living trust could make the old-fashioned will obsolete. With many complications, taxes, and probate, loved ones could wait up to a year before receiving an estate. But, here is a simple inexpensive way to eliminate those delays by use of a living trust. Completely legal, this book can help the reader work with an attorney to provide for the families' future., ISBN13: 9780809244164 ISBN10: 0809244160 Material Type: paperback","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51255356031283,"sku":"CH_12-04-24_PHA_301LCR","price":16.56,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/81KiwWHagmL.jpg?v=1753672471"},{"product_id":"die-broke-a-radical-four-part-financial-plan","title":"Die Broke: A Radical Four-Part Financial Plan","description":"Exit Life as You Came in It: Penniless!\nAnd Other Heretical Hints For Living Well In The New Economic Age\n\"If you don't read this book, you're going to die stupid!\"-- Dr. Laura Schlessinger\nThe Baby Boomers are a generation of achievers: They earned college and professional degrees and are scampering up the corporate ladder or starting entrepreneurial enterprises that boost their egos and their bank accounts. They buy sensible \"starter homes\" and plan to parley them into impressive dream houses through smart real estate deals, all the while deftly juggling their home, family and business lives. If two incomes don't cover all life's necessities -- and necessary luxuries -- their credit cards serve as readily available genies to make wishes reality. If their ultimate rewards have always been clear -- an early and comfortable retirement and a healthy estate to leave for the children -- why are they now facing the future with fear and trepidation?In Die Broke: A Radical Four-Part Financial Plan (HarperBusiness; November 1997; $25.00), financial advisers Stephen M. Pollan and Mark Levine explain the economic realities that have rendered the old rules obsolete and offer an innovative approach to financial planning that focuses on getting the maximum use out of your income and your assets during your lifetime and renouncing the foolish (and futile) quest for financial immortality. From the startling recommendation, \"quit now,\" to the heretical \"die broke,\" Pollan lays out the details of a complete financial revolution.\n\"Viewing yourself and your work as one,\" Pollan writes, \"is a tremendous financial and emotional risk.\" To prove that the \"Self-Fulfillment Ethic\" and the false belief in careers must give way to a new work ethic, Pollan cites a ready role model -- the professional athlete. Free agents in the sports world know their tenure with any team is temporary and concentrate on getting the best financial deal they can. Adopting their attitude is the key for anyone who doesn't want to remain on the sidelines in the next century. Pollan advises that work is not a holistic pursuit. The only way to increase satisfaction and\/or income is to job hop with a constant eye toward a work setting that will increase skills (and therefore marketability) and improve quality of life with immediate advantages like premium health insurance, company day care, parental leave and telecommuting and flex time options. \"Long term benefits, like pension plans,\" Pollan reminds readers, \"are worthless. Most of you will be fired long before you are fully vested.\"\nWhat else is keeping people locked in the 20th century? Two little pieces of plastic: ATM cards and credit cards. The convenience is irresistible; the costs are mind-boggling. Offering a strong dose of reality, Pollan insists that spending should be difficult and uncomfortable: \"You must resolve to no longer reach beyond your grasp. If you don't have the cash on hand or in your checking account to buy something... don't buy it.\"\nPollan issues an equally important warning about the biggest purchase most people make in their lives -- real estate. Home-ownership remains an excellent tax shelter and a desirable form of enforced savings that can help generate income in later years. But with the unpredictability of the real estate market, the benefits of \"serial ownership,\" or \"trading up,\" have become less likely. Pollan's solution is to save your money until you can \"buy your second home first,\" by purchasing a residence that is large enough to accommodate a growing family, aging parents and even a home business -- in short, a home designed for a lifetime.\nAlong with demanding a new perspective on work, credit and real estate, the new economic age lays to rest the American \"dream\" of retirement. Not only are traditional sources of retirement money (government assistance and private pensions) drying up, but people have discovered that long-term leisure isn't all it's cracked up to be. Pollan encourages readers to shift their viewpoint and think about earned income the way they've always thought about unearned income: It may grow, stagnate or decrease. Investing and savings should be used to generate unearned income that will supplement on-going but fluctuating earnings. Among his recommendations: Keep a liquid reserve (in Certificates of Deposit, for example), pile up tax free savings by taking full advantage of IRAs, Keoghs, SEPs or 401(k)s, stick with equity investments like stock mutual funds far longer than traditionalists recommend, insure your income with top-notch health and disability coverage and protect your family with term life insurance that gives them enough to get by so they can adjust to the loss of your income.\nThere's one last obstacle to living well now and in the future: the obsession with inheritance. Like retirement, the desire to establish an estate is a hold-over from an earlier age and leads to unnecessary sacrifices that far outweigh any future benefits. As, ISBN13: 9780887308673 ISBN10: 0887308678 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51257285640499,"sku":"FA_10-04-24_PHA_301I8X","price":13.26,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/61Jqd2LPXvL.jpg?v=1753683450"},{"product_id":"the-gospel-of-roth-the-good-news-about-roth-ira-conversions-and-how-they-can-make-you-money","title":"The Gospel of Roth: The Good News About Roth IRA Conversions and How They Can Make You Money","description":"THE ROTH CONVERSION OPTION if you follow my advice in the next few pages, you may increase your retirement spendable assets by over 40 percent! Everyone should 1 convert all of his or her IRA, ISBN13: 9780979718489 ISBN10: 0979718481 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51258545144115,"sku":"01-17-24_UBD_300D8S","price":23.2,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/81mzo7OL0VL.jpg?v=1753697021"},{"product_id":"social-security-medicare-government-pensions-get-the-most-out-of-your-retirement-medical-benefits","title":"Social Security, Medicare \u0026 Government Pensions: Get the Most Out of Your Retirement \u0026 Medical Benefits","description":"Maximize your Social Security, SSI, and Medicare benefits and navigate the complex system with confidence.\nEveryone wants to get the highest possible retirement and pension income – not to mention the best medical coverage. Turn to the#1 guide to Social Security retirement and medical benefits to discover the benefits you're entitled to and how to claim them as easily as possible.\nCompletely updated for 2013, the book covers how to:\n. determine the amount of Social Security and other benefits you're entitled to\n. qualify and apply for Medicare, including Part D prescription drug coverage\n. understand medigap insurance and managed care and choose what’s best for you\n. claim earned government pensions and veterans' benefits\n. time your retirement to get the best results\n. help your senior parents file essential forms online\n\nThe latest edition includes 2013 benefit numbers for Social Security, Medicare, and SSI, and fully up-to-date resources, and the impact of recent court rulings on your benefits., ISBN13: 9781413318456 ISBN10: 1413318452 Material Type: paperback","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51258920206643,"sku":"RARE-FA_09-12-24_PHA_601HB5","price":17.7,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/812h5DljPDL.jpg?v=1753700149"},{"product_id":"spend-til-the-end-the-revolutionary-guide-to-raising-your-living-standard-today-and-when-you-retire","title":"Spend 'Til the End: The Revolutionary Guide to Raising Your Living Standard--Today and When You Retire","description":"Rich or poor, young or old, high school or college grad, this book, written by economist Laurence J. Kotlikoff and syndicated financial columnist Scott Burns, can change your life for the bet, ISBN13: 9781416548904 ISBN10: 1416548904 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51258943308083,"sku":"CH_10-09-24_ART_301KC4","price":24.8,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/510gq8P8P5L.jpg?v=1753703183"},{"product_id":"im-retired-now-what-52-lists-for-creating-a-meaningful-future","title":"I'm Retired - Now What?: 52 Lists for Creating a Meaningful Future","description":"This fun and colorful fill-in journal will help you identify everything you want to do when you retire! Its filled with spaces to list everything you want to do, now that youll finally have the time (as well as lists for ideas on ways to just relax!). Packed with upbeat quotations throughout (What is it you plan to do with your one wild and precious life? Mary Oliver; Theres never enough time to do all the nothing you want. Bill Watterson), itll help every retiree-to-be realize that the best is yet to come! 96 pages. 6-1\/4\" wide x 8-1\/4\" high (15.9 cm wide x 21 cm high). Full-color illustrations. Hardcover. Archival\/acid-free paper. Elastic band place holder., ISBN13: 9781441331496 ISBN10: 1441331492 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51259227308339,"sku":"CH_12-26-24_ART_2000005O","price":16.01,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/81CB0SNTe6L.jpg?v=1753704631"},{"product_id":"saturday-everyday-9-simple-steps-to-live-your-best-financial-life","title":"Saturday Everyday: 9 Simple Steps to Live Your Best Financial Life","description":"Nine simple steps could mean the difference between living your best financial life or not.\nMichael Crews, who owns a financial practice with more than $500 million in assets under management as of August 2019, reveals those steps in simple langauge in this guide to pursuing financial freedom.\nBy following his advice, you'll be able to spend more time doing what you love so that every day is a Saturday. Learn how to:\n- build a foundation to survive financial downturns and life emergencies;\n- determine what you really want to spend your time doing;\n- design a life based around positive cash flow;\n- invest your money so that it works to grow over time; and\n- protect and keep more of what you earn.\nThe book also explores how to maximize savings in an individual retirement account or 401(k) plan, active investments versus passive investments, fundamental versus technical analysis, annuities, social security, Medicare, and more.\nCrews' collection of simple but powerful principles which can help you succeed no matter what career you choose or where you live. They are timeless and can be passed on so future generations can also live their best financial life., ISBN13: 9781480879751 ISBN10: 1480879754 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51259687469363,"sku":"01-17-23_PHA_600FK6","price":19.3,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/51uXRSupBQL.jpg?v=1753705783"},{"product_id":"get-whats-yours-for-medicare-maximize-your-coverage-minimize-your-costs-the-get-whats-yours-series","title":"Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs (The Get What's Yours Series)","description":"A coauthor of the New York Times bestselling guide to Social Security Get What’s Yours authors an essential companion to explain Medicare, the nation’s other major benefit for older Americans, ISBN13: 9781501124006 ISBN10: 1501124005 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51259723317555,"sku":"CH_02-12-25_ART_200000VY","price":11.75,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/71REYQowH3L.jpg?v=1753706071"},{"product_id":"youve-earned-it-dont-lose-it-mistakes-you-cant-afford-to-make-when-you-retire","title":"You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire","description":"It's Your Money. What Happens To It Will Directly Affect The Quality Of Your Life.\n\"You don't want to become a story in one of my books, and you don't have to,\" says financial advisor Suze Or, ISBN13: 9781557043160 ISBN10: 1557043167 Material Type: paperback","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51260125774131,"sku":"05-31-23_PHA_300O7U","price":14.55,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/91eL0NJ4hQL.jpg?v=1753707271"},{"product_id":"youve-earned-it-dont-lose-it-mistakes-you-cant-afford-to-make-when-you-retire-1","title":"You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire","description":"It's Your Money. What Happens To It Will Directly Affect The Quality Of Your Life.\n\"You don't want to become a story in one of my books, and you don't have to,\" says financial advisor Suze Orman, who goes beyond the usual financial primer to describe how to safeguard your financial future, illustrated with stories of ordinary, real-life people who faced misfortune because of naiveté, procrastination, or misinformation. So that you can avoid making similar mistakes and so you an better protect the money you have earned and saved, Orman gives you this easy-to-understand guide to eight vital areas essential for your security and well-being. With simplicity and clarity, complete with resource lists and glossary, she covers: Choosing and assessing financial advisors. Trusts, wills, gifts, joint tenancy: Which is right for you? Early retirement: What to do and how to avoid penalties when receiving your retirement money. Joint and survivor benefits: Making sure you protect those you love. Long-term care insurance: How to choose the right policy and what you should pay for it. Estate taxes and probate costs: How to avoid them. Durable power of attorney: How it works and why you should have one. Minimizing expenses and maximizing income: getting the most for your health-care money; getting the most for your life.\nAs featured on QVC, CNN, FOX, and more.\nA selection of The Book-of-the-Month Club., ISBN13: 9781557043221 ISBN10: 1557043221 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51260126265651,"sku":"09-15-23_PHA_300WNV","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/51l9tP5MICL.jpg?v=1753707272"},{"product_id":"the-big-shift-navigating-the-new-stage-beyond-midlife","title":"The Big Shift: Navigating the New Stage Beyond Midlife","description":"Marc Freedman, hailed by the New York Times as “the voice of aging baby boomers [seeking] meaningful and sustaining work later in life,” makes an impassioned call to accept the decades opening up between midlife and anything approximating old age for what they really are – an entirely new stage of life, which he dubs the encore years.\nIn The Big Shift, Freedman bemoans the fact that the discussion about longer lives in America has been entirely about the staggering economic costs of a dramatically aging society when, in reality, most of the nation’s 78 million boomers are not getting old … at least not yet. The whole 60- to 80-year-old period is simply new territory, he writes, and the people in this period constitute a whole new phenomenon in the 21st century.\nThe Big Shiftis animated by a simple premise: that the challenge of transitioning to and making the most of this new stage—while deeply personal—is much more than an individual problem; it’s an urgent social imperative, one affecting all generations. By embracing this time as a unique period of life – and providing guidance, training, education and support to the millions who are in it – Freedman says that we can make a monument out of what so many think of as the leftover years. The result could be a windfall of talent that will carry us toward a new generation of solutions for growing problems in areas like education, the environment, and health care., ISBN13: 9781586487850 ISBN10: 158648785X Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51261067493683,"sku":"CH_09-24-24_ART_301J2H","price":18.8,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/61vrkFXg8wL.jpg?v=1753712313"},{"product_id":"the-big-retirement-risk-running-out-of-money-before-you-run-out-of-time","title":"The Big Retirement Risk: Running Out of Money Before You Run Out of Time","description":"This is a guidebook packed with the best strategies to manage wealth in retirement, helping readers live the life they have always envisioned - without risk of running out of money. With decades of experience as a financial consultant, Erin Botsford shows readers how to identify their preferred lifestyle and sustain it throughout retirement. With the philosophy that money allows choices, she shows readers how to become informed, wise investors - avoiding common pitfalls, challenging the status quo, and refusing to take advice blindly. No one wants to run out of money before they run out of time, and Botsford helps restore confidence in members of the Baby-Boom generation who may have lost assets during the financial crisis. With a thorough examination of the transition into retirement, she addresses common concerns such as Do I have enough money to last a lifetime? What about my spouse and children? Will Social Security be there when I am eligible to receive it? And what about Medicare, health insurance? From a chapter titled \"Economics 101\" to detailed analyses of market patterns, the author exposes the failures inherent in traditional methods of asset allocation. With comprehensive explanations of investment strategies, she helps readers adopt a new philosophy about their finances and retirement planning in order to protect their hard-earned money., ISBN13: 9781608322480 ISBN10: 1608322483 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51261600923955,"sku":"10-03-23_UBD_3005C2","price":10.69,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/51ugADwOHQL.jpg?v=1753715180"},{"product_id":"the-path-accelerating-your-journey-to-financial-freedom","title":"The Path: Accelerating Your Journey to Financial Freedom","description":"#1 Wall Street Journal Bestseller!\n\nAccelerate your journey to financial freedom with the tools, strategies, and mindset of money mastery.\n\nRegardless of your stage of life and your current financial picture, the quest for financial freedom can indeed be conquered. The journey will demand the right tools and strategies along with the mindset of money mastery. With decades of collective wisdom and hands-on experience, your guides for this expedition are Peter Mallouk, the only man in history to be ranked the #1 Financial Advisor in the U.S. for three consecutive years by Barron’s (2013, 2014, 2015), and Tony Robbins, the world-renowned life and business strategist. Mallouk and Robbins take the seemingly daunting goal of financial freedom and simplify it into a step-by-step process that anyone can achieve.\n\nThe pages of this book are filled with real-life success stories and vital lessons, such as…\n• Why the future is better than you think and why there is no greater time in history to be an investor\n• How to chart your personally tailored course for financial security\n• How markets behave and how to achieve peace of mind during volatility\n• What the financial services industry doesn’t want you to know\n• How to select a financial advisor that puts your interests first\n• How to navigate, select, or reject the many types of investments available\n• Success without fulfillment is the ultimate failure! Financial freedom is not only about money—it’s about feeling deeply fulfilled in your own personal journey\n\n“Want an eye-opening guide to money management—one that tells it like it is and will make you laugh along the way? Peter Mallouk’s tour of the financial world is a tour de force that’ll change the way you think about money.” —Jonathan Clements, Former Columnist for The Wall Street Journal and current board member and Director of Financial Education at Creative Planning\n\n“Robbins is the best economic moderator that I’ve ever worked with. His mission to bring insights from the world’s greatest financial minds to the average investor is truly inspiring.” —Alan Greenspan, Former Federal Reserve Chairman\n\n“Tony is a force of nature.” —Jack Bogle, Founder of Vanguard, ISBN13: 9781642937015 ISBN10: 1642937010 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51262069375283,"sku":"CH_06-27-24_PHA_301FQX","price":11.75,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/71wye0gxpyL.jpg?v=1753716786"},{"product_id":"after-the-death-of-your-spouse-next-financial-steps-for-surviving-spouses","title":"After the Death of Your Spouse: Next Financial Steps for Surviving Spouses","description":"As a surviving spouse, you might find yourself overwhelmed by all the administrative and financial to-do items that you have to handle soon after the death of your spouse. There's a lot to do, much of which you've never done before. And you're supposed to get it all done while grieving.\n\nThis book walks you through it, in plain language.\n\nPart One: Immediate Next Steps\n\n1. Learn the Terms (The Estate Administration Process)\n2. Getting Organized\n3. Notifying Necessary Parties\n4. Initial Responsibilities as Personal Representative\n5. Updating Your Own Estate Plan\n\nPart Two: Intermediate Next Steps\n\n6. Social Security Planning\n7. Further Responsibilities as Personal Representative\n8. Handling Inherited Retirement Accounts\n9. Additional Options as a Beneficiary and Surviving Spouse\n10. Tax Returns\n11. Reassessing Your Own Finances\n12. Reassess Your Portfolio\n13. Finding Professional Assistance\n\nConclusion: What’s Next?\n\nAppendix A: Does an Inheritance Create Taxable Income?\n\nAppendix B: Social Security Widow(er) Benefit Math Details\n\nAppendix C: Dealing with Trusts, ISBN13: 9781950967124 ISBN10: 1950967123 Material Type: paperback","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51263076204851,"sku":"08-10-23_ART_600O7I","price":11.2,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/61z4af5tIVL.jpg?v=1753721672"},{"product_id":"retirement-places-rated-what-you-need-to-know-to-plan-the-retirement-you-deserve","title":"Retirement Places Rated: What You Need to Know to Plan the Retirement You Deserve","description":"Whether you're considering retirement or scouting out the best location for a second home, Retirement Places Rated is an invaluable sourcebook. For more than 20 years, people have turned to author David Savageau for help in choosing the perfect location, and now that the number of Americans who are reaching retirement age is greater than ever, this information is more valuable than ever before. Nearly 200 top retirement areas in the United States, both traditional and newly discovered, are profiled.They're ranked and compared for cost of living, climate, health care, economic factors, crime, services, cultural life, and recreation. Included are climate graphs, maps of retirement regions, comparison charts, and demographic profiles of each area. A special section on relocation resources helps you set your plans in motion once you've chosen where to live.This completely updated edition includes new locations and factors in the latest statistics., ISBN13: B006G8BIOW ISBN10: B006G8BIOW Material Type: paperback","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51264470712627,"sku":"CH_11-20-24_PHA_601KGB","price":30.78,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/51VE4Z5Z34L.jpg?v=1753742668"},{"product_id":"parlay-your-ira-into-a-family-fortune-3-easy-steps-for-creating-a-lifetime-supply-of-tax-deferred-even-tax-free-wealth-for-you-and-your-family","title":"Parlay Your IRA into a Family Fortune: 3 EASY STEPS for creating a lifetime supply of tax-deferred, even tax-free, wealth for you and your family","description":"\"America 's IRA expert\"(Mutual Funds magazine) Ed Slott shows readers how to make the most out of their retirement plans.\n\n? Achieve unlimited tax-free income after retirement and keep assets in the family\n? Protect retirement funds from creditors, divorce, bankruptcy, lawsuits, or other problems that could expose it to loss\n? Use a Roth IRA to build a tax-free fortune Slott's three-step strategy cuts through the tax laws and provides simple, easy-to-follow instructions for managing IRAs and other retirement income., ISBN13: 9780143115168 ISBN10: 0143115162 Material Type: paperback","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51732777337139,"sku":"A_STR_H0000FDF","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/717oAyTkKOL.jpg?v=1753608266"},{"product_id":"the-smartest-retirement-book-youll-ever-read","title":"The Smartest Retirement Book You'll Ever Read","description":"Follow the advice in The Smartest Retirement Book You'll Ever Read and you will: Find simple strategies to maximize your retirement nest egg Steer clear of scams that rob you of your hard-earned savings Ensure that your money lasts longer than you do Avoid the common mistakes that can leave your spouse impoverished Discover financial lifelines no matter how desperate the economy\n\"If you want a handy guide that provides information in small chunks, Solin's book is it.\" -Newark Star-Ledger, ISBN13: 9780399535208 ISBN10: 0399535209 Material Type: hardcover","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51734490317107,"sku":"FA_06-09-25_UBD_20000IV3","price":12.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/91JJM4QnkqL.jpg?v=1753647963"},{"product_id":"ch_03-04-25_art_200001op","title":"The ABC's Of Getting Out Of Debt: Turn Bad Debt Into Good Debt and Bad Credit Into Good Credit (Rich Dad's Advisors)","description":"A step-by-step guide to eliminating unfavorable debt while improving a credit rating discusses the differences between good and bad debt, counsels readers on how to reduce debt quickly, and offers advice on how to render personal credit as favorable as possible. Original., ISBN13: 9780446694094 ISBN10: 0446694096 Material Type: paperback","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51747662102835,"sku":"CH_03-04-25_ART_200001OP","price":14.84,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/61E3SbAe62L.jpg?v=1753649954"},{"product_id":"fa_07-08-25_pha_20000oh4","title":"The New Retirement Savings Time Bomb: How to Take Financial Control, Avoid Unnecessary Taxes, and Combat the Latest Threats to Your Retirement Savings","description":"AS SEEN ON PUBLIC TELEVISION\n\nThe complete action plan from Ed Slott, \"the best source of IRA advice\" (Wall Street Journal), to help you make sure your 401(k)s, IRAs, and retirement savings aren't depleted by taxes by the time you need to use them.\n\nIf you're like most Americans, your most valuable asset is your retirement fund. We diligently save money for years, yet most of us don't know how to avoid the costly mistakes that cause a good chunk of those savings to be lost to needless and excessive taxation. Now, in the midst of a financial crisis, there is more need than ever to protect your assets. The New Retirement Savings Time Bomb, by renowned tax advisor Ed Slott, shows you in clear-cut layman's terms how to take control over your retirement savings plan. This easy-to-follow plan helps you place your assets to avoid the latest traps set out by congress in addition to any that might be set down the road, so you can keep your hard-earned money no matter what. And, it's fully up-to date with information on the SECURE Act and everything you need to know about how the coronavirus relief bills will affect your savings down the road. This book is required reading for every American with savings and investments who is planning to retire, be it five years from now or fifty., ISBN13: 9780143134541 ISBN10: 014313454X Material Type: paperback","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51778508718387,"sku":"FA_07-08-25_PHA_20000OH4","price":15.75,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/71YmYuNicmL.jpg?v=1753608353"},{"product_id":"the-5-fundamentals-of-building-a-retirement-portfolio","title":"The 5 Fundamentals of Building a Retirement Portfolio","description":"\u003cp\u003eWhether you are an everyday investor interested in the financial markets or an experienced financial professional looking for new insights into portfolio construction and various assets, this book has something for you. The 5 Fundamentals of Building a Retirement Portfolio focuses on the essential elements of building a well-rounded retirement portfolio: predictable income, inflation protection, deflation protection, liquidity, and principal preservation. In the context of the five fundamentals, this book discusses a variety of popular investing topics including dividend growth investing, high-yield bonds, call and put options, and commodities. It also provides unique insight into buy-and-hold investing, taxable-equivalent bond yields, the debt ceiling, and more! The 5 Fundamentals of Building a Retirement Portfolio aims to help each reader become a better-informed investor with a good grasp of the decision-making process necessary to select the various assets best suited for his or her retirement portfolio., ISBN13: 9780615727417 ISBN10: 0615727417 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51781600215347,"sku":"TN_STR_UBD_H0000YET","price":23.3,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/61GMedFIxRL.jpg?v=1753656869"},{"product_id":"the-book-of-inside-information","title":"The Book of Inside Information","description":"\u003cp\u003eIn Bottom Line Book of Inside Information, you will find the latest wisdom from many of the foremost experts distilled into hundreds of carefully researched, up-to-date articles. This book can help you and your family enjoy a wealthier, wiser and healthier life., ISBN13: 9780887230745 ISBN10: 0887230741 Material Type: hardcover\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51787448189235,"sku":"TN_STR_UBD_H0000UY3","price":23.52,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/41KJ39Xbc6L.jpg?v=1753683350"},{"product_id":"how-to-retire-happy-wild-and-free-retirement-wisdom-that-you-wont-get-from-your-financial-advisor","title":"How to Retire Happy, Wild, and Free: Retirement Wisdom That You Won't Get from Your Financial Advisor","description":"\u003cp\u003eHow to Retire Happy, Wild, and Free offers inspirational advice on how to enjoy life to its fullest. The key to achieving an active and satisfying retirement involves a great deal more than having adequate financial resources; it also encompasses all other aspects of life -- interesting leisure activities, creative pursuits, physical well-being, mental well-being, and solid social support.\u003cbr\u003e\nWorld-class author and innovator Ernie J. Zelinski guides you to:\u003cbr\u003e\nGain courage to take early retirement; in fact, the earlier the better. Put money in proper perspective so that you don't need a million dollars to retire. Generate purpose in your retirement life with meaningful creative pursuits. Follow your dreams instead of someone else's. Take charge of your mental, physical, and spiritual health. Better envision you retirement goals -- including where you want to live. Above all, make you retirement years the best time of your life.\u003cbr\u003e\nWhat sets this retirement book apart from all the others is its holistic approach to the fears, hopes, and dreams that people have about retirement. This international bestseller (over 110,000 copies sold in its first edition) goes way beyond the numbers that is often the main focus of retirement planning in most retirement books.\u003cbr\u003e\nThere are many ingredients of a happy retirement and several retirement planning tools that help retirees plan for their retirement in new and more meaningful ways. One of the most powerful tools is The Get-a-Life Tree that you won't find in any other retirement books.\u003cbr\u003e\nIn short, the retirement wisdom in this book will prove to be much more important than how much money you have saved. How to Retire Happy Wild, and Free helps readers create an active, satisfying, and happy retirement in a way such that they don't need a million dollars to retire., ISBN13: 9780969419495 ISBN10: 096941949X Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51788536119603,"sku":"P.6.5 F_05-21-25_H0000G5Q","price":13.97,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/71iusyECLAL.jpg?v=1753696318"},{"product_id":"living-in-san-miguel-the-heart-of-the-matter","title":"Living in San Miguel: The Heart of the Matter","description":"\u003cp\u003eThinking about living in Mexico? Perhaps you've heard it's cheaper, warmer, and the culture is rich. Places like San Miguel de Allende have support communities of expatriates (about 8,000) to make you feel at home. But this is a big change. Thinking about it can keep you awake nights. You ask yourself: *How do other people make this work? *How do I avoid making a mistake? *What are the real costs of living there? *How do I arrange for healthcare and an English-speaking physician? *If I buy a house what am I really getting? *How do I transfer and handle my money intelligently? *Is the U.S. media telling the truth about crime in Mexico? What if you were prepared? What if you knew the answers to these questions and many others before you decided to try it? This book provides answers to the vital questions you must ask to make a move like this successfully. Plus, it also provides lists of resources for further research., ISBN13: 9780990655107 ISBN10: 0990655105 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51790973600051,"sku":"A.11.5 F_04-09-25_ART_H000040S","price":16.4,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/91kUA8q8coL.jpg?v=1753697458"},{"product_id":"plan-your-prosperity-the-only-retirement-guide-youll-ever-need-starting-now-whether-youre-22-52-or-82","title":"Plan Your Prosperity: The Only Retirement Guide You'll Ever Need, Starting Now--Whether You're 22, 52 or 82","description":"\u003cp\u003eWhether you’re in retirement, just getting ready to retire, or 5, 10, or 40 years out, this book can help you invest smarter your whole life and yes, plan better for retirement.\u003cbr\u003e\nHarmful mythology abounds about retirement investing. Many retirees or soon-to-be retirees have heard a plethora of advice. Take 100 (or 120) and subtract your age to get your equity allocation, put the rest in bonds or cash. Buy only bonds. Buy only high dividend stocks. Or some combination! Buy equity-indexed annuities or some “guaranteed” income product. All examples of a potentially harmful myth many folks believe to be smart, strategic moves.\u003cbr\u003e\nInvestors believe preparing for retirement requires a radically different set of tools or a dizzying array of products. Navigating the world of retirement products and services can be a full-time job. But investing for retirement is, in practice, not much (if at all) different from investing. In Your Retirement Plan, Ken Fisher will give readers a workable strategy to either develop their own retirement investing plan or work more successfully with a professional to increase the likelihood of achieving long-term goals while avoiding common pitfalls. The book will include easy-to-follow steps like How to think, correctly, about investing time horizon. How to better figure how much income you need How to determine if a portfolio can provide that income How to figure how much to save each year to achieve retirement goals What pitfalls to avoid And more. . . .\u003cbr\u003e\nIn this retirement planning book that's not just for retirees, Fisher will hand readers the tools and confidence they need to better plan for the future., ISBN13: 9781118431061 ISBN10: 1118431065 Material Type: hardcover\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51790985330995,"sku":"A-STR_UBD_H0000PFR","price":10.91,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/61L4cQwsMcL.jpg?v=1753697883"},{"product_id":"the-wealth-code-how-the-rich-stay-rich-in-good-times-and-bad","title":"The Wealth Code: How the Rich Stay Rich in Good Times and Bad.","description":"\u003cp\u003eWe entrusted the experts with our financial security and now we’re reeling from the economic crisis. How do we get back on our feet…and invest wisely? In The Wealth Code: How the Rich Stay Rich in Good Times and Bad, financial planner and investment strategist Jason Vanclef delivers straight answers…and solutions. According to Vanclef, True Asset Class Diversification is the best way to build that solid financial base for your secure future. From an analysis of the downside of conventional thinking to the secrets of the Fortune 400, from diversification tactics to estate planning and improving returns on investments, Vanclef delivers a straightforward, hands-on plan not to cut your losses, but to maximize your investments. Do you truly have a handle on the bond market, stocks and mutual funds? How much of your assets belong in real estate, oil\/gas, gold or other tangible investments? Insurance pitfalls not discussed? For the answers…and a sardonic poke at Wall Street…this is the book., ISBN13: 9781439254479 ISBN10: 1439254478 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51791310422323,"sku":"05-30-25_H0000G4Z","price":12.86,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/41_KKKQYZjL.jpg?v=1753704507"},{"product_id":"it-wasnt-on-my-calendar-13-lessons-in-working-through-elder-care-and-alzheimers","title":"It Wasn't on my Calendar!: 13 Lessons in Working Through Elder Care and Alzheimer's","description":"\u003cp\u003eMost people do not plan for a medical, mental or aging crisis for a parent—or themselves, and if such a crisis is not on your calendar, prepare now. None of us know what we don’t know, and when a loved one’s health and\/or mind are failing, this is no time to have a crash-course in learning. •Who do I turn to for advice? •What kind of questions do I ask? •Do I plan a loved one’s care for this immediate crisis—or make a plan that includes future needs as conditions worsen? •How do I respond to the many needs: place to live (kinds of facilities), care (who provides and what kinds), costs (and how to pay them), and advisors (finding the right people to handle finances and elder planning). If you have more questions than answers, this first-hand guidebook, written by a CPA\/ financial planner about his dad’s situation, will provide answers. Now you will be able to deal with your own situation with more knowledge and focus. Cummings divides his experiences into 13 lessons; some that are chocked full of practical advice for family members, caregivers and professionals: How Do We Respond? What Resources are Available? It Is Not About You Getting the Right Medical Help Know If and When to Move Him From His Home Know the Best Place for Your Loved One to Live Know All of Your Options on How to Pay for it Selecting the Right Financial Advisor Get the Right Financial Advice Proper Estate Planning, ISBN13: 9781499101713 ISBN10: 1499101716 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51791514829107,"sku":"TN-STR_UBD_H0000MK5","price":10.15,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/7148m5IKfgL.jpg?v=1753706024"},{"product_id":"thinking-outside-the-money-box-the-best-concepts-for-a-worry-free-retirement-are-off-the-beaten-path","title":"Thinking Outside The Money Box: The Best Concepts For A Worry-Free Retirement Are Off The Beaten Path","description":"\u003cp\u003eThinking outside the box is one of those catchphrases that started popping up in business conversations a few years ago. It is a colorful metaphor that means to think differently, unconventionally, or from a new perspectives. To think outside the MONEY box requires taking a fresh look at many of the financial challenges facing retirees in the 21st Century. Many investment strategies that worked in the decades of the 1980s and 1990s simply don't work today. And yet many, even in the financial advisory community, are still living in the past. In this book, you will find several specific examples of new-era strategies and concepts that solve the retirement challenges that are unique to baby boomers today. Thinking Outside the Box not only shines the spotlight of logic and rational thought on \"mainstream\" concepts that simply do not work anymore, but also provides the clear vision you need to see what does work and why. Endorsements “Mark Lumia has provided a much needed retirement security blanket. He shows you how to avoid bumps in the road ahead by planning with useful “What if” scenarios and examples. You'll also find a wealth of smart retirement income strategies to increase cash flow by optimizing your Social Security and retirement benefits, while minimizing taxes. The result is more income, less taxes, less investment risk and most important, less worry about retirement.” -Ed Slott, CPA Retirement expert and Founder of www.irahelp.com and www.theslottreport.com “Thinking Outside the Money Box will help baby boomers make a critical shift in the way they think about money. As boomers move from the accumulation phase of retirement planning to the distribution phase, they will face many issues they've never had to face before: how to maximize Social Security benefits, how to shelter retirement income from taxes, and that all-important question of how not to run out of money. Mark Lumia explains, through solid research and plenty of numbers, how boomers can navigate this new landscape and avoid making mistakes before it's too late.” -Elaine Floyd, CFP® Director of Retirement and Life Planning, Horsesmouth, LLC “Mark joins an illustrious group of RMA graduates who have written valuable books on retirement planning. In his book, he also refers to a paper published by fellow RMAs (Sean Ciemiewicz and Christine Russell) in the Retirement Management Journal (RMJ). Mark's additional insights, based on the paper, advance our collective understanding. I was particularly interested in his focus and clear explanations on the various types of annuities. This is another valuable book written by a fellow RMA and I am pleased to write this recommendation.” -Francois Gadenne Chairman of the Board and Executive Director Retirement Income Industry Association, ISBN13: 9781499238457 ISBN10: 1499238452 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51791514861875,"sku":"A_H0000CJG","price":23.76,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/51nS41db2sL.jpg?v=1753706026"},{"product_id":"how-to-retire-early-and-live-well-with-less-than-a-million-dollars","title":"How To Retire Early And Live Well With Less Than A Million Dollars","description":"\u003cp\u003eOutlines both simple and advanced investment strategies for achieving steady returns and offers tips on reducing living expenses and taxes., ISBN13: 9781580622011 ISBN10: 1580622011 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51792059269427,"sku":"A_STR_H0000DUD","price":12.11,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/51sxPna7JTL.jpg?v=1753711491"},{"product_id":"your-money-ratios-8-simple-tools-for-financial-security-at-every-stage-of-life","title":"Your Money Ratios: 8 Simple Tools for Financial Security at Every Stage of Life","description":"\u003cp\u003eA leading financial adviser offers a groundbreaking and simple approach to tackling personal finance by breaking down formulas used by the most successful businesses.\u003c\/p\u003e\n\n\u003cp\u003eA troubled economy calls for answers. People need sound, easy-to-follow financial advice that can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios to get an instant picture of their savings status and overall financial health, as well as a road map for the important choices for the future. Some key ratios include:\u003c\/p\u003e\n\n\u003cp\u003e? The Capital-to-Income Ratio: how much capital (savings) you should have if you plan to retire at 65\u003cbr\u003e\n? The Mortgage-to-Income Ratio: the maximum mortgage debt you should carry and still have sufficient capital left for comfortable savings\u003cbr\u003e\n? The Education-to-Average-Income Ratio: the amount of education- related debt you can safely incur based on anticipated average earnings after obtaining your degree, ISBN13: 9781583334164 ISBN10: 1583334165 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":51792088531251,"sku":"A_STR_H0000FRS","price":10.91,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0748\/5086\/1363\/files\/71YXMoX8w8L.jpg?v=1753711950"},{"product_id":"how-to-retire-overseas-everything-you-need-to-know-to-live-well-for-less-abroad","title":"How to Retire Overseas: Everything You Need to Know to Live Well (for Less) Abroad","description":"\u003cp\u003eIt's not just Florida anymore! 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