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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 : Rich Dad's Retire Young, Retire Rich: How to Get Rich Quickly and Stay Rich Forever! (Rich Dad)
Author : Robert T. Kiyosaki
Rating : 5 Stars out of 5.
Summary : More great ideas, more great context - huge value for money

This fourth book in the main series follows through the logical progression from 'taking care of your business' to retiring and doing what you want to do full time. Some people in the UK may find Robert Kiyosaki's American enthusiasm and repetitive writing style a bit hard to take - just stick with it and realise that making money is something that Americans do better then us! Others may say that you 'can't do those things here' - may I suggest to them that they need new advisors as I have not had any problems in implementing these ideas. I would read 'Rich Dad Poor Dad' and 'Cashflow Quadrant' before this book - could be a bit much at once otherwise.

The big gain from this, as with all the books, is the sense of challenge and attitude that comes across. Combined with the specific ideas for action and areas to think about Robert is able to lead you towards acheiving your financial goals, whatever they are.

Retiring before 45 is a dream that most us share, but few think is possible. I would rate these four books as being of equal value in helping me to be on track to reach this goal (despite having started at 31 years old), as my MBA. The MBA tells me how, Rich Dad helps me think of why, when and what.

The true value of these books is really demonstrated by their life expectancy on my book shelf at home. I have leant a number of copies of Rich Dad Poor Dad to friends and family, none of which have ever been returned! Since then my sister is now starting her own company and writing a book and friends have made some very profitable moves into property investment. None of these people, including myself, talked about such things before reading Robert's books.

Buy this book. Read it. then hide it and re-read it every few months - if you don't you will probably find that it disappears and those close to you start to have more money in their pockets!

A real delight.

Title : Rich Dad's Prophecy
Author : Sharon L. Lechter
Rating : 5 Stars out of 5.
Summary : Employed or Self Employed? - Financial Future SHOCKER!

This book has made me sit up and think! I'm shocked!

Millions of people depend on their plans for retirement income.

Yet, when programmes first became popular over two decades ago, Robert Kyosaki's rich dad WARNED that these plans would cause one of the BIGGEST stock market crashes in history... a crash that would financially destroy the unprepared. Now rich dad's prophecy is coming true.

* How the fears, dreams, and actions of millions of 'baby boomers' will control the economic future...

I understood from the book that although we had the NASDAQ exchange record its biggest ever one-day fall, back in April, 2000, - the worst is still yet to come!

Read it NOW, or you'll regret it!

Title : Get a Life: You Don't Need a Million to Retire Well
Author : Ralph 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 : Get a Life: You Don't Need a Million to Retire Well (Get a Life: You Don't Need a Million to Retire Well)
Author : Ralph E. Warner
Rating : 4 Stars out of 5.
Summary : A common sense approach to planning for retirement.

This book should be required reading for people in their 30's and 40's. It emphasizes keeping active, having a wide variety of interests, and developing friends of all ages. It's a good antidote to all those financial planners who try to make you feel guilty about not having "X" millions of dollars invested so they can make commissions off your money. A good gift for middle age yuppies.

Title : The Retirement Sourcebook
Author : Mary Helen Shuford Smith
Rating : 5 Stars out of 5.
Summary : This book is a buoyant guide to the later years

The Retirement Sourcebook is a buoyant guide to the later years. Loaded with possibilities as well as helpful realities, this book is an invaluable asset in refining your vision of the life you'd most like to lead. The authors are ebullient examples of retirees who have blossomed after leaving the structured workplace. They share their wisdom ("when you have time, you have options") as well as their considerable practical knowledge. And there is no shortage of inspiration with role models cited ranging from Colonel Sanders to Mother Teresa.

The chapter on financial issues alone is worth the price of admission. The authors, experts at "working the web," sift through the mountain of information available for the nuggets that will help you make an informed decision.

If you yearned to see Alaska but considered it too expensive or thought a condo on a golf course would be a tranquil place to live, read this book before you make any decisions.

The Retirement Sourcebook covers nothing less than the entire gamut of human experience from stress and living wills to how to get rid of junk mail.

You'll be referring to it for years to come.

Title : IRA's, 401(k)S Other Retirement Plans: Taking Your Money Out (IRA's, 401(k)S Other Retirement Plans: Taking Your Money Out)
Author : Twila Slesnick
Rating : 5 Stars out of 5.
Summary : Thorough coverage for the tax professional. Easy to use.

I do taxes. I have been a "tax professional," working for a reputable CPA firm, for eighteen years.

I imagine that most people think that we always read the most obscure laws, regulations and treatises on tax subjects before we make our decisions and recommendations. The fact is that most professionals are delighted to find publications which make good information easy to find. This book does that.

"How to Take Your Money Out" gives thorough coverage to a very complicated subject. Equally important is that it is almost enjoyable to read and that finding what you are looking for is easy. It is well organized and well indexed. When I looked for answers, I found them, on the first shot.

There are plenty of people, both professionals and taxpayers, who are wondering what to do about IRA and other retirement plan distributions. Having this book on the shelf will give you confidence that you'll know where to look when you need the answers.

Title : How to Retire Rich: Time-Tested Strategies to Beat the Market and Retire in Style
Author : James P. O'Shaughnessy
Rating : 5 Stars out of 5.
Summary : A Nobel Prize for O'Shaughnessy!

The main message of _How to Retire Rich_ is that if you want to retire rich, or retire at all for that matter (ever!), you must invest in the stock market. You just don't have a choice in the matter. Sit down and let James O'Shaughnessy take you through the math---you'll quickly see that that is just the financial reality. The good news, however, is that investing in the stock market, when done properly, is not what you think it is. It's not about outsmarting all the other investors out there. It's not about trying to get a 'ten-bagger' so you can buy a cool car and brag at parties. It's not even about shrewd business savvy and scanning financial reports. It's about picking an effective strategy and sticking with it year in, year out until the day you retire, never pulling your money out of the market.

But if that sounds hard, don't worry. One of HTRR's strongest points is the wealth of wisdom it provides on the mental aspects of investing over the long term. What do you do if your portfolio tanks? What do you do if it soars? This is a problem? You'd be surprised! O'Shaughnessy is probably the only author with a completely rounded, mature outlook on the emotional aspects of investing. Reading HTRR will give you the confidence you need to invest and stay in the market through good times and bad.

So how do you invest? O'Shaughnessy breaks it all down for you, telling you exactly what to do. We're not talking the usual vague, feelgood accepted wisdom here such as 'buy market leaders' or 'buy on weakness, sell on strength'. Throw all those books in the trash! HTRR will tell you how to quickly find the precise stocks you should buy. You'll finish the book at 2 o'clock and have a list of the stocks to buy in your hand at 2:30. Yes, it's just that easy. You'll also know exactly when to buy them (now) and when to sell them (a year from now), and what do after that (repeat the process until you retire). What could be simpler?

O'Shaughnessy should be nominated for a Nobel Prize. He is a modern-day Charles Darwin with a theory that has all the hallmarks of a revolution in scientific thought. The theory is simple, but deceptively so. Many readers come away thinking they have understood it, only to later demonstrate that they clearly haven't. Even Motley Fool was apparently unable to grasp Reasonable Runaways (one of the strategies in HTRR). They tried to test it with a universe of stocks picked from Value Line (!). When it wasn't performing well after six months (!), they wondered how they could tweak it (!) to "make it dance" (their words). You'll understand just how ridiculous all of this is when you read HTRR.

Perhaps the reason for this widespread misunderstanding is that while the theory itself is simple, its ramifications are not---and without understanding its ramifications, it is impossible to truly understand the theory. Like Darwin, O'Shaughnessy has taken 'God'---the human element---completely out of the picture. That's what readers find so hard to grasp. O'Shaughnessy has shown that not only is human intervention in portfolio management not necessary, it's downright harmful. Given enough time, any human intervention will only lower a portfolio's returns from the optimum returns that could be obtained using a simple model.

I hesitate to include the returns I have earned over the past four years using the Reasonable Runaways strategy in this review, because I don't think they're typical. I have earned 93.15% (CARR of 17.88%) versus 1.17% (CARR of 0.29%) for the SP during the same period (July 15, 2001 to July 15, 2005). And this is during a time period that includes 9/11. But as you'll discover from reading HTRR, four years is a meaninglessly short amount of time over which to gauge performance. Also, giving out exciting returns numbers shifts the discussion away from the real message of the book---get in the stock market and stay there (investing properly of course). It's the only way you'll ever be able to retire, rich or otherwise.

For UK readers, I�fd also like to point out that if you invest in the US stock market and live outside the UK (as I do), it�fs tax-free. How can you go wrong?

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