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The Complete Idiot's Guide to Retiring Early (Complete Idiot's Guides)by Dee Lee
Synopses & Reviews
CIG to Retiring Early 0028640128
The Complete Idiot's Guide(r) to Retiring Early eases the pain of this seemingly complicated subject by walking readers through each step of determining how much they will need to retire early, including-- defining lifestyle expectations, estimating the retirement window, identifying retirement expenses, calculating net worth, determining how much more is needed, and adjusting for taxes and inflation.
This guide to personal finance management includes advice on building a large nest egg in order to retire early. Includes information on the importance of starting early, maximizing employer-contribution plans, climbing out of debt, managing pre-retirement expenses, and more.
About the Author
Dee Lee is a Certified Financial Planner, Registered Investment Advisor, and author of several financial books, including The Complete Idiot's Guide® to 401(k) Plans. Her weekly newspaper columns appear in the Boston Herald business section every Sunday under the titles "$$ Talks" and "The Money Manager," and she is a regular contributor to CNBC's "Power Lunch." Jim Flewelling retired in 1995, at the age of 45. Today, he enjoys an active life of leisure and manages an investment portfolio for himself and his wife.
Table of Contents
1. It's About Having Options.
Why Retire? Early Retirement. What Would You Do? What You Will Give Up. Where Retirement Came From.
2. What It Takes.
Dough: A Pile of Money. Desire: You Gotta Really Want It. Decisions: Tough Choices. Discipline: A Lotta "Round Tuits". Defense: The Best Offense @CHAPTER = 3. Exploring the Issues. A Midlife Crisis. Get a Financial Physical. One Works, the Other Doesn't.
4. Life in the Slow Lane.
The Life of Riley. If You Have Your Health…. Die Broke-or Not. What Will Your Parents Think? What Will Your Kids Think?
5. From Money to Wealth.
The Difference Between Wealthy and Rich. How You Feel About Money. The Big Picture Stuff: The Long Term. Same as Regular Retirement, Only Faster. Make Your Money Work for You.
II. PLANNING THE PATH TO WEALTH.
6. Wealth: How to Get It and Keep It.
Get It Together. Determining Net Worth. Play Defense First. Get Out of the Debt Hole. Your 911 Fund. The Protection Game.
7. How to Be a Middle-Class Millionaire.
Think Like a Millionaire-Don't Act Like One. You Can't Spend Yourself Rich. Lifestyle Choices: Live Well for Less. A Comfortable Lifestyle.
8. Estimating Your Retirement Costs.
Inflation Is Your Worst Enemy. Expenses in Retirement-by Stages. Retirement to Age 62. Age 62 to 70. Age 70 and Beyond.
9. How to Pay Your Expenses in Retirement.
Tiered Income Changes. Retirement to Age 62. Age 62 to 70. Beyond Age 70.
10. Achieving Your Retirement Goals. Make a Plan or Plan to Fail. Retirement to Age 62. Age 62 to 70. Beyond Age 70.Percent of Total Income.
11. Finding and Using a Financial Planner.
Professionals Can Help. Types of Planners. What You Want in a Planner. How to Find a Planner. Check Them Out. Organizations. Choose One.
III. INVESTING FOR YOUR RETIREMENT.
12. How to Pay for Your Goals.
The Way We Used to Retire. The Way We Need to Invest Today. The Portfolio Strategy. Paying Taxes on Taxable Accounts. Taxes on Retirement Account Withdrawals .Investing for Intermediate-Term Goals. Saving for Short-Term Goals.
13. Keys to Successful Investing.
Be an Aggressive Saver. Beat Taxes and Inflation. Think Like a Long-Term Investor. Characteristics of Successful Investors.
14. The Secret Techniques Laid Bare.
Work with Your Money. How Many Baskets You Need? Don't Panic.
15. You're the Boss.
Paint, Wallpaper, and Trim. When to Redecorate.
IV. A SAFARI ON WALL STREET.
16. Stocking Wild Game.
Where Is the Jungle? Tracking Trophy Stock. Other Ways to Find Big Game. Hiring a Tracker.
17. Herds of Stocks: Mutual Funds.
Identifying Herds of Stocks. Index Funds. Managed Funds. Picking the Right Herd. Using Past Performance. Other Tools.
18. A Zoo-ful of Bonds.
Are Bonds Tame? Bond Language. Why Rates Change. Hiring a Zookeeper: Bond Funds. Putting a Ladder in the Monkey Cage. Different Species of Bonds. Zeros and STRIPS. Off to the Zoo.
19. Risk Your Money or Your Retirement.
What Is Risk? Time and Risk. Other Risks. Information Risk.
V. TOOLS YOU SHOULD USE.
20. Keep the Taxman Waiting While You Work.
401(k) Plans. 403(b) Plans. 457 Retirement Plans. Self-Employment Retirement Plans. The Company Pension.
21. The IRA: Your Personal Tax Shelter. Income Limits for Contributions. Traditional or Roth IRA? To Rothify or Not: Converting Your Traditional IRA. How to Get Money Out.
22. Social Insecurity and Mediscare.
What Social Security Really Is. What You Should Expect. When to Take It. Taxing Your Benefit. Medicare. The Trust Funds. Long-Term Care Insurance. You're on Your Own.
23. Your Estate Needs a Plan, Too.
Wills and Won'ts. The Estate Tax. Trusts. Other Options You Should Use.
Appendix A. Financial Worksheets.
Appendix B. Glossary.
Appendix C. Web Sites.
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