Yes, You Can Still Retire Comfortably: The Baby-Boom Retirement Crisis and How to Beat It

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Overview

A specter is haunting the baby-boom generation&#8212the specter of retirement. The generation that?s used to having it all is suddenly finding that it doesn?t have enough. The stock market bubble has deflated, interest rates are at all-time lows, Social Security is questionable, pension plans are underfunded, and personal savings are woefully inadequate. This comes at a time when medical advances are assuring that we?ll be the longest-lived...
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Yes, You Can Still Retire Comfortably!

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Overview

A specter is haunting the baby-boom generation&#8212the specter of retirement. The generation that’s used to having it all is suddenly finding that it doesn’t have enough. The stock market bubble has deflated, interest rates are at all-time lows, Social Security is questionable, pension plans are underfunded, and personal savings are woefully inadequate. This comes at a time when medical advances are assuring that we’ll be the longest-lived generation ever.

The authors grapple with the coming baby-boom retirement crisis and show you how to get back on track. They outline the steps you can take today to assure your future tomorrow. Backed up with the facts and figures, they lay out exactly how much you need to save in order to maintain your standard of living, and how to invest your dollars to get the maximum return from your savings. For those already retired, they explain how to tap in to your nest egg to get the most income while keeping your money safe. This is a survival manual for the difficult but exciting road to retirement security.

Don’t leave middle age without it!

About the Authors
Ben Stein can be seen talking about finance on Fox TV news every week. He is known to many as a movie and television personality, but has probably worked more in personal and corporate finance than anything else. He has written about finance for Barron’s and The Wall Street Journal for decades and contributes regularly to the AARP’s Modern Maturity (now AARP: The Magazine). He was one of the chief busters of the junk bond frauds of the 1980s, has been a long-time critic of corporate executives’ self-dealing, and has written several self-help books about personal finance.

Phil DeMuth was valedictorian of his class at the University of California at Santa Barbara in 1972, then got his master’s in communications and a Ph.D. in clinical psychology. An investment psychologist with a longstanding interest in the stock market, he has written for The Wall Street Journal and Barron’s, as well as Human Behavior and Psychology Today. His opinions have been quoted on theStreet.com and Fortune Magazine and is president of Conservative Wealth Management in Los Angeles.

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Product Details

  • ISBN-13: 9781401903183
  • Publisher: Hay House, Inc.
  • Publication date: 8/2/2005
  • Pages: 222
  • Product dimensions: 6.10 (w) x 9.10 (h) x 0.70 (d)

Read an Excerpt

21 Basic Truths of Retirement Planning

1. There is no Lone Ranger coming to rescue the Baby Boomers and Gen Xers. There is not enough money anywhere to foot the bill: not in Social Security and Medicare, nor in our pension plans, nor our personal savings. The U.S. taxpayers in aggregate cannot tax themselves into solvency.

2. If you're old enough to have sex, you're old enough save for your retirement.

3. Saving early in life will let the power of compound interest do all the heavy lifting. Wait, and you will have to do it by brute force of self-denial. Wait still longer and it will not be possible to retire at all.

4. It is vastly more important that you hit upon a good investment plan and save regularly, than that you find the most perfect, brilliant investment plan and save desultorily.

5. People with savings will end up at a tremendous advantage over those without. This latter group will include many of your friends and neighbors.

6. To postpone planning your retirement is, in effect, to have already made the decision about where you are headed. Hint: it's not Millionaire Acres.

7. The X-factor of unknown future tax rates, as well as the tenuousness of Social Security and Medicare, makes it exceedingly difficult to plan accurately. Everything points to the need to err on the side of oversaving.

8. If you want a guarantee, buy a toaster.

9. You have to get off the high-consumption treadmill, maximize your human capital, and plan to work as late as possible (preferably into retirement, at least part-time).

10. You will be paying for the bulk of retirement yourself, out of your personal life savings.

11. Those who have saved will be made to pay for those who have not. Unfortunately, this means you have to save even more.

12. Hardest hit of all will be the upper middle class. They will likely see little from Social Security and Medicare, meanwhile the IRS will turn them upside down and shake them by the ankles to get the money to pay for everyone else. With vastly insufficient savings, their lifestyles are going to shrink like an Armani suit in the dryer.

13. If you are a high-income type, don't use a self-help book or a web site calculator to plan your retirement. Get the professional help that you need, preferably sooner than later.

14. You need to plan for your maximum life span, not your average life span. If you are 65, there is a 5 percent chance that you will live to 100, and a one percent chance that you will live to 105.

15. Investment returns going forward from current valuation levels may well be lower than they were during the boom times of the twentieth century. Just because you are a long-term investor does not mean that you will get historical rates of return.

16. The new retiree is of necessity a long-term investor. If he goes too conservative, he runs out of money later. That said, early retirement is by far the most dangerous time for your investments.

17. You won't be able to figure this out once-and-for-all. You have to monitor your progress and make mid-course corrections.

18. The advantage conferred by dollar cost averaging on the saving side is directly handed back by negative dollar cost averaging on the withdrawal side.

19. Long-term market timing can add value, both to your savings as well as to your withdrawals. Value the market before buying or selling. This is the cure for negative dollar cost averaging.

20. Do not put all your savings into one type of account: IRA, Keogh, taxable, etc. Who knows where the tax man's heaviest hand will fall in the future?

21. Nature's cruel joke on retirees: you'll probably have a lot of money very late in life, when you can't enjoy it, but you only get a pittance early in retirement, when you could really use it. Thus, the problem: how do we bring Oz back to Kansas?

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Customer Reviews

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Sort by: Showing all of 6 Customer Reviews
  • Anonymous

    Posted January 30, 2012

    Ok! Not there best

    I noramlly find Ben and Phil to be very helpful and insightful. This book had some good insights but it wan't on par with their other works.

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted July 29, 2008

    Excellent!

    This book gives you great information about money and investing for retirement and it provides lots of facts to back up the information. It also provides additional resources on where to go next 'websites, books'. If you are a math person you will especially love this book. This book provides specifics where others fall short.

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted February 14, 2007

    BUY IT

    I've read many books about retirement planning. If I had to pick the most valuable book which summarizes important insights into personal finance and retirement, THIS IS MY FAVORITE.

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted October 31, 2011

    No text was provided for this review.

  • Anonymous

    Posted December 18, 2008

    No text was provided for this review.

  • Anonymous

    Posted November 30, 2008

    No text was provided for this review.

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