The Work Less, Live More Workbook: Get Ready for Semi-Retirement (with CD-Rom)
by Bob Clyatt
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Book Summary Information
Author: Bob ClyattEdition: Paperback
Audio: English (Original Language); English (Unknown); English (Published)
Published: 2007-09-15
ISBN: 1413306950
Number of pages: 258
Publisher: NOLO
Book Reviews of The Work Less, Live More Workbook: Get Ready for Semi-Retirement (with CD-Rom)
Book Review: 2nd edition and a workbook-- excellent!
Summary: 5 Stars
2nd edition and a workbook-- excellent! It's wonderful to see the whole cycle of a book being conceived, written, published, and continuing to do good for its readers.
I retired from the military at the age of 41 nearly six years ago and was disgruntled about having to find a "real job". During that time I struggled mightily to find the financial and lifestyle advice that would give me the confidence to relax and enjoy life without worrying about an uncertain economy or society's approval. I could have avoided all the angst if "Work Less Live More" had been in my hands.
Bob is one of the first writers to advocate "semi-early retirement". Some people are too burned-out to continue into their sixties while others just can't turn it off at retirement age but don't relish the long hours. He discovered the Early-Retirement.org discussion board and asked many of the same questions as hundreds of others. He engaged all of our practical knowledge and experience but went one step further and developed new financial analysis. Bob not only advises workable lifestyles for both groups but suggests many ways to adjust with employers, family, and friends to reduce work hours to your satisfaction. If you're willing to consider occasional work to support extra spending or to ride out a rough recession, then your financial worries are over.
The second edition, expanded and with extra software, moves everyone yet another step forward in the planning process. You don't just read about it-- Bob helps you do it. On the financial side Bob sorts out budgets, investor profiles, and autopilot asset allocations while providing "spreadsheets on CD" for users to experiment with and personalize. It's eye-opening to enter your holdings and see how many thousands of dollars you're paying in expenses, let alone to a financial "advisor". It's great to be able to listen to his interviews of actual early retirees. It's even better to be able to complete your "life wheel" exercise to see how you're doing.
The 2nd edition refines Bob's explanation of his variable-withdrawal system. The system is unique-- 90% of today's retirement calculators assume that retirees spend roughly the same amount every year for the rest of their lives. (The other 10% are extremely complicated or require detailed & tedious data entry.) Bob's 4% & 95% rules acknowledge that humans spend more money when times are good and cut back when times are bad. The "rules" are simple to grasp and the system is easy to follow.
Try your local library if you're reluctant to buy, but these belong on your retirement-planning bookshelf. They're worth every penny spent compared to the thousands you'll save on reducing your investment expenses. Those aren't just my opinions-- they're the most-borrowed and least-returned books in my library.
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