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advantages and disadvantage of early retirement

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 : 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 : 5 Stars out of 5.
Summary : This is the best retirement planning book I've ever read!

This is the first retirement planning book I've ever read that realistically addresses how much money you really need to save for the lifestyle you want. I now realize that I don't need to save millions, that my current saving plan is perfectly adequate for the lifestyle I want. I can relax, enjoy my life and family, and work on retaining my health.

Title : The Baby Boomer Financial Wake-up Call: It's Not Too Late to Financially Secure!
Author : Kay R. Shirley
Rating : 5 Stars out of 5.
Summary : I used the book to motivate my parents to plan

I like the real world examples. I really felt as if I could apply the techniques to my life. I liked the author's personal interjections. It made her more credible.

Title : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 4 Stars out of 5.
Summary : Excellent book

People spend their entire lifetimes working to amass wealth, but forget about protecting it. I bump into people every day who still think a will is enough---ENT! I also recommend Financial Self Defense and More Wealth without Risk by Givens. Suze's book is newer, but Givens offers techniques that work well with the information in this book.

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

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 : Adventure of Retirement: It'S
Author : A. Guild Fetridge
Rating : 3 Stars out of 5.
Summary : This book was very helpful - though not an eye-opener

The author is very thoughful and knows the subject well. I bought this book for my parents and hope the situation is the same or better when I retire.

Title : The New Retirement: The Ultimate Guide to the Rest of Your Life
Author : Jan Cullinane
Rating : 1 Stars out of 5.
Summary : Not quite what it seems

We probably all get caught out occasionally by ordering on-line - I did with this one. It has some good general points but it is an American book and pretty meaningless in many parts. Out of 486 pages 135 are, for instance, given over to a State by State guide of where to move to. If you want to decide how to choose between living in Scottsdale, Arizona and Naples, Florida (or dozens of others) then this is the book for you. Like me, you too can find out the hard way that a much, much more useful book for the retired or retiring Brit is The Good non Retirement Guide by Rosemary Brown - or just take my word for it.

Title : The Roth Ira Made Simple
Author : Gary R. Trock
Rating : 4 Stars out of 5.
Summary : Great tables to evaluate whether Roth or Traditional is best

I bought this book to help me prepare for seminars I presented on the Roth IRA. It gave a clear understanding of the rules for Roth contributions, but its greatest strength was the tables that let one compare the future benefits of Roth/Traditional IRA based on current and future tax brackets, rates of return, as well as present age. Another feature was dealing with the future value of what Gary calls "Opportunity Costs" when considering a conversion from traditional IRAs to Roth Conversion. Opportunity costs is the future value of the money that needs to be paid to the government when the IRA is converted. Again, current and future tax brackets, age, and rates of return are clearly presented. A must for anyone who really wants to get a grasp on the numbers and not just skim along the surface.

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