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It would be great if we could all retire with a nice portfolio of savings and pension income, without having to worry about paying the bills most retired people pay.

Yet...many retirees are living out their retirement on the breadline without much hope for even going on holiday without being assisted by relatives or even handouts. Don't let yourself be one of them...it's never too late!

Title : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire: 6-copy Counter Display Pack
Author : Suze Orman
Rating : 5 Stars out of 5.
Summary : Very specific, useful info for BIG retirement decisions.

Orman provides very specific information and advice that you will not find unless you shell out big bucks to a financial advisor. For example, Orman tells you how to take money from your IRA before age 59 1/2 with NO PENALTY (substantially equal periodic payments), but adds VERY IMPORTANT advice on how to structure the portfolio to protect the nest egg. Another example of very specific, useful info includes the chapter on long-term care which gives instuctions on how to determine if you need LTC insurance, how much to buy, when to buy, what kind of company to buy from, etc.

The entire book is filled with this kind of specific info - a "must read" for the "do-it-your-self" personal financial manager.

Title : Rich Dad's Prophecy
Author : Sharon L. Lechter
Rating : 4 Stars out of 5.
Summary : Beware 2016! -- Good Financial Education for New Investors

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Before commenting on the book's message and argument, let me discuss its communications style. There is a great on-going debate about whether the details that Mr. Kiyosaki presents about himself and his "Rich" and his "Poor" (and biological) Dad are literally true. I don't know, and I don't intend to try to find out. For my purposes, I treat the communications style of this book as a fable to help teach a lesson. I do evaluate the accuracy of the lesson itself in these comments.

If you've read some of the Rich Dad, Poor Dad books before, the main new information in this book is an explanation of why stock market investing with pension money is a dangerous way to grow your "wealth." In addition to being at risk from con men, thieves, incompetents, brokerage houses and market volatility, you face the ticking time bomb of a growing number of U. S. investors being legally required to liquidate their holdings beginning at age 70 1/2. As the Baby Boom generation turns 70 1/2 beginning in 2016, the selling moves from being a trickle into being a torrent that overwhelms new funds into the market at some point . . . followed by an inevitable collapse in stock values. If you want a more detailed, confirming discussion of this issue, the book, What If Boomers Can't Retire?, is a good choice. Harry S. Dent, Jr.'s demographic books also look at this issue.

If you already believe in the messages of the earlier books, you could skip this one . . . especially if you have already decided to avoid or minimize stock-market investments.

If you have read none of the Rich Dad, Poor Dad series, I suggest that you start with Rich Dad, Poor Dad before tackling this one. You'll understand this book better if you do.

The other problem with traditional defined contribution pension investing (usually by 401-k plans), of course, is that a pension fund contribution takes lots of cash out of your pocket (unless the employer matching is very generous -- way more than 2:1) to put some money into the retirement account. So you face the possibility of being much poorer in cash flow while you save for retirement investing and poorer when you cash out of the investment after you pay the taxes on what you take back in what could be smaller values. Imagine if you had had to start withdrawing from your pension fund in 1929. That's one nice illustration that I enjoyed in the book. Possibly, the same could occur after 2016. Who knows?

The second half of the book advises you on how to build a financial ark against hard times by relying on building cash-generating businesses and investments (such as rental properties) after you achieve your financial education (which you didn't learn in school, even if you got a business degree from most schools). You are encouraged to start small and develop various kinds of control over your emotions, advisors and actions. It's all sound advice. My only complaint is that people who are going to start making real estate investments and building cash-generating businesses need a lot more information than is here. I graded the book down one star, accordingly.

The first half of the book could have been shortened up quite a bit, but for those who are unaware of the demographic time bomb's potential effect on their investments, it may help to get the story in small doses.

The surprise for a lot of people in this book is going to be that what they hear every day from best-selling "authorities" about the "right rules" of retirement investing could easily turn out to be wrong for them.

After you absorb and begin to apply these lessons, I suggest that you think about where in your life the conventional wisdom led you down the wrong path. Where else could that be happening to you now?

Title : The Coming Generational Storm: What You Need to Know About America's Economic Future
Author : Laurence J. Kotlikoff
Rating : 5 Stars out of 5.
Summary : Packed With Knowledge!

This volume is infinitely more thoughtful than most of the books that point to the expected insolvency of the Social Security system and pronounce that the fiscal sky is falling. After all, the U.S. economy has weathered plenty of fiscal crises before, but those in power have barely addressed this one. Authors Laurence J. Kotlikoff and Scott Burns ask you to realize that the government is saddling your children with unbearable debt. One by one, they strip away all the supposed answers to the demographic bulge and economic bust that characterize the impending mass retirement of the baby boom generation. They demonstrate that the dwindling number of working-age citizens simply will not be able to support the coming onslaught of retirees. The python has eaten the rabbit, but will it be able to swallow? Kotlikoff's "generational accounting" explains that government is running up charges on our kids' credit cards. And like any bill that doesn't get paid, this one will keep getting bigger. We recommend this nicely crafted book to all responsible citizens.

Title : Keys to Investing in Your 401 (Barron's Business Keys)
Author : Warren Boroson
Rating : 5 Stars out of 5.
Summary : Who the hell is Lucia Solorzano? I wrote the book alone!

In any case, I'm revising the book right now. And I would welcome any comments. Warren Boroson

Title : Pay Yourself First: A Commonsense Guide to Life-Cycle Retirement Investing
Author : Timothy W. Cunningham
Rating : 5 Stars out of 5.
Summary : One of the most insight books on investing for the future.

This is a must read for people in their 20s and 30s, especially those who are married and have children. Most people think Social Security and the company 401K will take care of their retirement. A great many of those people believe if they start saving in their mid-30s they will accumulate enough wealth to retire comfortably. This book reinforces the need to begin saving for retirement as soon as you begin working full-time because of the power of compounding and all of the various circumstances like Bar Mitzah's, weddings and other financially draining events. It made me examine my own portfolio and strategy for future financial events. It is a very easy to read and understand book and can be read in a day.

Title : Get a Life: You Don't Need a Million to Retire Well
Author : Ralph E. Warner
Rating : 4 Stars out of 5.
Summary : One of the best all round books on retirement planning!

As a Certified Financial Planner, I recommend this book to many of my clients who are seriously planning their retirements. Warner has done a great job putting things in the proper perspective with a book that is an "easy read". While adequate money is important to a satisfactory retirement (and helping clients build a satisfactory net worth is how I make my living), I do find, as has Warner, that there are more important things such as health, friends, and a purpose (i.e., reasons to get up in the morning) when it comes to planning out one's retirement. I frequently ask clients what they plan to do when they retire. When they say "go fishing" or "play golf", I then ask them what they plan to do the second week/month/year. And I keep asking the question until they realize that its a serious one. Warner takes it further with discussion and clear examples. In short, a must read for anyone approaching retirement.

Title : Social Security, Medicare, and Pensions: Get the Most Out of Your Retirement and Medical Benefits
Author : Joseph L. Matthews
Rating : 5 Stars out of 5.
Summary : Great summary of the Social Security system!

This happens to be the best all-around book concerning the difficult subject of Social Security that I have read. Understandable and very well written. The sections regarding disability are filled with just the info I needed to know.

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