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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 : 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 New Golden Door to Retirement Living in Costa Rica
Author : Christopher Howard
Rating : 4 Stars out of 5.
Summary : The content was great; I dropped a star for the editing.

I breezed through the book in an afternoon/evening and found it to be extremely informative and accurate based on my limited ten day stay in Costa Rica. The author presents both sides for those considering relocating to CR. It is a wonderful place to visit which motivated me to inquire what it might be like to live there.

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 : I am buying one of these books for each member of my family.

As an avid reader and a novice investor I could not put the book down. The information was clear and very understandable. I immediately went on line and was able to pull up the 50 stocks I will be using for Reasonable Runaways. My goal was to self manage my 401k. This has given me the tools to do so. I'm in it for the long term so will let you know in 25 years how the strategy worked. I feel strongly enough about the concept to share it with all my friends and family. Wouldn't it be fun to grow wealthy together???

I have also read "What Works on Wall Street". If you must chose between the two "How to Retire Rich" is the better book in my opinion. "What Works" does provide reinforcement of the ideas if that is important to you.

Title : All About the New Ira: How to Cash in on the New Tax Law Changes
Author : Steve Merritt
Rating : 4 Stars out of 5.
Summary : A good and clearly written book on the different IRAs

This is a wonderful book the that clearly explains the different available retirement plans. While the descriptions seemed detailed, I would like to see a later volume that explains any changes in the new Roth legislation. A great book for those struggling with options.

Title : The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich
Author : David Bach
Rating : 3 Stars out of 5.
Summary : Very well written, but not for everyone.

Over the past few years, I've bought and read several books on the theme of how to get rich. I have observed that these kinds of books come in three flavours;

1. Get rich by scrimping and saving (eg, "The Money Diet")
2. Get rich by making bold investments (eg, "Rich Dad Poor Dad")
3. Concepts on how to get rich (eg, "Think and grow rich")

The automatic millionaire is very much of the first flavour (scrimping and saving). In fairness, the author does a good job of disguising the fact that his approach amounts to little more than scrimping and saving by making his particular process "automatic" (I won't spoil the book too much by explaining what that means).

At the start of the book, the author describes a meeting he once once had with a couple of retired automatic millionaires, whose names escape me. He describes in depth how happy this married couple were now that they had held down steady (apparently low paid) jobs all their lives and were now reaping the benifits of many decades of savings and conservative investments. We learn about how they have two homes (one that they live in and one that they rent out) and how the husband drives a second hand car. We also are reminded over and over about how joyful and full of romance and wide eyed wonder this ageing couple seem to be now that they're cashing on their healthy pension schemes.

Whilst, I do not question that the automatic millionaire process has clearly paid off for these people, I was struck with a distinct feeling of disappointment as I read their story. Personally speaking, I find it very difficult to get excited about the idea of saving for the rest of my working life in the hope that I can life off a pension some day and drive second hand cars, like our happy couple described in the book. For me, this couple were precise examples of how I absolutely do NOT want to end up- maybe my expectations were too high going into this book!

Anyway, for what it's worth I have one or two other issues with the book that are of a slightly more academic nature. Although I'm no economics professor, I have read credible predictions of an impending stock market crash in the future when a tidal wave of elderly retired workers try to cash in on their pension schemes. Here in the UK, the government is on the verge of forcing everyone into signing up for pensions schemes. You don't have to be a mathematical genius to realise that the figures don't add up- surely we can't ALL get 10% interest rates on our pensions, as the author insists we can. Can we? I also think that his approach is dependant on you and I being able to generate a steady income (i.e., hold down stable jobs) until we retire in our fifties and sixties. Again, without trying to lecture too much or sound too negative, I think we live in an age where life long job security is something that is no longer on the table. So, personally I would put the case that the automatic millionaire process may not be as stable and as surefire as the author would lead us to believe.

Anyway, on a more positive note, the book is very well written and the author does a great job of keeping the subject both interesting and educational. In particular some of the mathematic models he presents are extremely eye opening and well presented.

In conclusion I would say this is a good book is you're a conservative, non risk taking, worker ant. However, for a faster, more exciting and (admittedly!) more risky road to richness I would be tempted to look elsewhere.

Title : You'Ve Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 5 Stars out of 5.
Summary : Every woman's book on pitfalls in planning: Read this FIRST!

I grabbed this book on impulse, knowing that I have a bad track record with money management subjects. I thought it would be laying around gathering dust for awhile...

Was I surprised when I started reading the first page and then plowed right through it in 1-1/2 nights! So easy to read and understand. (The Wall St. Journal series, with all their glitzy colored pictures couldn't do what Suze did with her real-life stories as examples.) Maybe it's the woman's touch, but she got through to me. The whole picture of retirement issues and planning became clear.

I highly recommend this as a first book for financial planning -- it's NOT JUST ABOUT RETIREMENT, it's more about protecting women by arming them with vital information... every woman should READ THIS BOOK BEFORE MAKING ANOTHER DECISION involving money (or before someone makes one for her).

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