Retirement Reality Check: How to Spend Your Money and Still Leave an Amazing Legacy

by Josh Jalinski

Overview

HOW TO RETIRE IN A VOLATILE MARKET

Whether you have ten or thirty years until retirement, Josh Jalinski shows you how to maximize your retirement saving and spending plan, while still having something to leave behind for your family, friends, and favorite causes.

Looking at your 401k in a volatile market can lead to panic and poor financial decisions. Even if you have already made some decisions you regret, or you waited until forty-five to think about retirement, there are steps you can take today that will help you reach your financial retirement goals.

Josh Jalinski, host of the popular Financial Quarterback(TM) radio show, offers his SWAN (sleep-well-at-night) retirement that works for people in all stages of their careers. This proven system for secure retirement planning lets you enjoy your money, and teaches you:

• To challenge fifty years of conventional retirement planning with fresh strategies tailored to today's volatile economic climate.
• Tax-saving strategies that maximize the amount of money you have available to spend on experiences, travel, and expenses.
• Understanding how to identify the right investment portfolio mix for your individual circumstances.
• How saving cash and different life insurance options help you weather volatility and ensure you can pass wealth on to family members.

The truth is, a 401(k) is not enough for most retirees. Its time create a new paradigm, one that will stand up against market volatility and be there when it's time to enjoy the years you worked to earn.

Product Details

ISBN-13:	9781400212149
Publisher:	HarperCollins Leadership
Publication date:	07/30/2019
Pages:	224
Sales rank:	1,106,261
Product dimensions:	5.90(w) x 8.90(h) x 0.80(d)

About the Author

Josh Jalinski hosts the popular Financial Quarterback radio show, which attracts approximately 112,000 listeners every week, and is the CEO of Jalinski Advisory Group. He has been a Five Star Wealth Manager five years in a row and was named Advisor of the Year by Senior Market Advisor magazine. Jalinski is committed to helping clients of all income levels maximize wealth and create a realistic financial plan for present and future security.

Table of Contents

Foreword John Mauldin v

Part I Start Your Retirement Reality Check

Reality Check One: Quit Worrying About Your Money 3

Reality Check Two: Mitigate the Onslaught of Income Taxes 39

Reality Check Three: Buy Term Life Insurance and invest the Difference 55

Reality Check Four: Annuities Aren't the Devil 69

Reality Check Five: Monte Carlo Is for Gambling, Not Money Management 87

Part II Save It!

Reality Check Six: Start Saving 109

Reality Check Seven: Don't Lose Money in the Next Stock Market Crash 117

Reality Check Eight: How to Generate 10 Checks in Retirement 125

Reality Check Nine: Bonds Are a Recipe for Disaster 133

Reality Check Ten: Forget Dollar Cost Averaging 147

Part III Spend 'Til the End

Reality Check Eleven: Diversification Is Di-Worsification 155

Reality Check Twelve: Retire in the Zero Tax Bracket 165

Reality Check Thirteen: Conservative Withdrawal Stategies 173

Part IV Leave It!

Reality Check Fourteen: Protect Your Money 183

Reality Check Fifteen: Estate Planning: What is That? 193

Conclusion: Winning the Game 199

Acknowledgments 207

Notes 209

Index 211

Editorial Reviews

'It is not every day that a book comes along that changes the way you think about investing and saving. Investing isn't just about accumulating. Investing should let you 'spend 'til the end.' Josh's book is revolutionary. He offers valuable and important tax-smart guidance that will help you enjoy your money in your working and retirement years. Go read this book now!' --Dr. Larry Kotlikoff, world renowned economist and New York Times bestselling author

'Josh is a great resource and expert in assembling thoughtful investment strategies for millennials to baby boomers. His against-the-grain and fresh insight offers traditional investors an opportunity to live a financially fulfilling life while setting themselves up for a secure and enjoyable retirement.' --Harry S. Dent, bestselling author and renowned economic forecaster

From the Publisher

After Gabe Wicks’s strong voice delivers the brief forward, Public Radio storyteller and voice pro Jakob Lewis presents this accessible lesson with beguiling charm and comfortable authority. He’s a good fit to perform Josh Jalinski’s seductive writing, which sets up his advice as a contrarian alternative to the guidance people usually hear about retirement planning. As host of a financial radio program, the author writes with a deep well of experience and knowledge. He’s good at distilling the logic of finance into prescriptions that are instantly clear. With strategies that are conservative and not intimidating (life insurance, annuities, tax avoidance), he’s sensitive to the real-life circumstances and tolerances that retired people have. The result is a hands-on personal finance guide that doesn’t overlook the need for people to enjoy their lives while they prepare for the future. T.W. © AudioFile 2019, Portland, Maine

SEPTEMBER 2019 - AudioFile

After Gabe Wicks’s strong voice delivers the brief forward, Public Radio storyteller and voice pro Jakob Lewis presents this accessible lesson with beguiling charm and comfortable authority. He’s a good fit to perform Josh Jalinski’s seductive writing, which sets up his advice as a contrarian alternative to the guidance people usually hear about retirement planning. As host of a financial radio program, the author writes with a deep well of experience and knowledge. He’s good at distilling the logic of finance into prescriptions that are instantly clear. With strategies that are conservative and not intimidating (life insurance, annuities, tax avoidance), he’s sensitive to the real-life circumstances and tolerances that retired people have. The result is a hands-on personal finance guide that doesn’t overlook the need for people to enjoy their lives while they prepare for the future. T.W. © AudioFile 2019, Portland, Maine

SEPTEMBER 2019 - AudioFile