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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 : The Three Boxes of Life: How to Get Out of Them
Author : Richard Nelson Bolles
Rating : 5 Stars out of 5.
Summary : Still a mind-opener after all these years

I first read this book when it had been out only a few years, and it turned my head around. I had been brought up, like most children of the 'fifties, to think of life as a series of rigidly defined serial roles: first you were a student, then you were a worker, and finally you retired and got to do all the fun things you'd been putting off for the past 40-odd years. Having worked my way through graduate school, and done a bit of traveling in the process, I of course knew how artificial these distinctions were -- but I still tended to feel vaguely guilty about my "immature" lifestyle and rebuke myself for not "settling down" like a Real Grownup was "supposed to." Bolles set me straight -- in fact I was doing a pretty good job of balancing growth, work, and leisure in my life, and had nothing to be ashamed of. My subsequent work history has borne out the wisdom of his advice: I've been happiest and most productive when my life achieves that same balance; the most miserable time of my life was the nine-year period when I succumbed to the siren song of Silicon Valley and became a money-obsessed workaholic. This is a terrific book, and one that bears rereading every few years, especially when you feel your life slipping out of balance.

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 : The best "Rich Dad" yet!

I would recommend every book in Robert Kiyosaki's "Rich Dad" series to anyone, but this book is the best yet! Kiyosaki's writing style has settled down, and he has organised his thoughts into a clear, logical book, that, at long last, carries clear guidance on many of the topics that he has addressed in previous books.
"More of the same"? well, yes, there is some repetition there, but since no author can expect every reader to read all his books in sequence there will always be a need to re-state the main principles. In any case, I don't see repetition of this kind as being anything but beneficial, as ultimately it helps to reinforce the message in my own mind.
This book talks a great deal about leverage; all kinds of leverage; ways to improve your ability to create personal wealth. This book will help you to realise that your dreams ARE achievable and help you to organise your mind to achieve those dreams.

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 : 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 : 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 Government Pensions: Get the Most Out of Your Retirement and Medical Benefits (Social Security, Medicare Government Pensions)
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.

Title : Investing from Scratch: A Handbook for the Young Investor
Author : James Lowell
Rating : 2 Stars out of 5.
Summary : A well written book for beginners.

The author writes very well, but all too often the advice is a little thin. I liked his approach to handling money but for real practical advice I found another book more useful: "How To Invest $50 to $5,000" by Dunnan. However, both make excellent presents for young and/or inexperienced investors and savers.

Title : Celebration
Author : Harry Crews
Rating : 5 Stars out of 5.
Summary : Not for the faint of heart

As someone else noted, this probably isn't the best introduction to Crews' work for the uninitiated and the faint of heart. But for hardcore Crews readers and others who can look the human beast in the face without flinching, this is some of his best work, and indeed some of the best work being done in contemporary fiction.

If you need the status quo definition of Justice and Beauty to get to sleep at night, don't read this book. But if you can't turn away from the dark spectacle of the raw human heart, this is for you.

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