Acknowledgments.

1. Retire On Your Schedule.

1.1. Retirement Options.

1.2. Is There a Retirement Crisis?

1.3. How Much Do I Need to Retire?

1.4. How Long Will it Take Me to Save Enough Money?

1.5. Learning Your Own Life Values.

2 Analysis Tools and Calculations.

2.1. Predictions Based on Average Returns and Inflation.

2.2. Spending Models.

2.3. Historical Data.

2.4. Monte Carlo Simulation.

2.5. Historical Simulation and the 4% Rule.

3 Live Below Your Means (LBYM).

3.1. Spending.

3.2. Breaking the Relationship Between Earning and Spending.

3.3. Establishing Budget Projections.

3.4. Credit Cards.

3.5. Increasing Earnings.

4 Emergency Funds and Insurance (First Take Care of Stability).

4.1. Medical Insurance and Healthcare Budgets.

4.2. Emergency Fund.

4.3. Personal Financial Concerns.

4.4. Documents.

5 Investment Instruments.

5.1. Bonds.

5.2. Stocks.

5.3. Real Estate.

5.4. Annuities.

5.5. Defined Benefit Plans (Pensions).

5.6. Cash and Certificates of Deposit.

5.7. Social Security.

5.8. Mutual Funds.

5.9. Exchange-Traded Funds (ETFs).

5.10. Commodities.

6 Your Investment Plan.

6.1. Eliminate “Bad” Debt.

6.2. Investment Issues.

6.3. Tax-Advantaged Accounts and Free Money.

6.4. Taxable Investments.

6.5. House—Purchase or Rent?

6.6. Mortgage Payoff Decision.

6.7. Taxes.

7 What Will I Do When I Retire?

7.1. Work Part-Time.

7.2. Travel.

7.3. Volunteer.

7.4. Recreation and Leisure.

7.5. Health and Self-Improvement.

8 Final Issues.

8.1. Before You Leave the Building.

8.2. Where to Live.

8.3. Sources of Income.

8.4. Taxes.

8.5. Rebalancing.

8.6. Heirs.

Appendix A: Web Site URLs: Information, Online Calculators and Software.

Appendix B: Fundamental Financial Equations.

Appendix C: Longevity Table.

Index.

About the Author.