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Retire on Less Than You Think

Sometimes I just troll the “new” shelves at the library to see what’s been coming in. This book looked like one of those perky little financial self help books so I took it home. When I realized the guy wa a columnist for the Times, I thought “Oh no, more hype about mutual funds and IRAs being the only way to prepare for retirement...” but was pleasantly surprised to see a lot of good advice with a range of options presented depending on what sort of life you want in your retirement. Brock is all about the sane saving and spending of money and refutes the standard investment advisor advice about needing 70-80% of your current income to be able to make it in retirement. He says if you want to keep woring, that’s cool, but he outlines a few ways you can save more money earlier -- driving an older car, moving to a place with a lower tax burden, selling a large house you no longer need -- and then retire earlier. His tone is chatty but his math is solid and his advice isn’t scary it’s useful. I’m not anywhere near looking to retire but even in my situation I learned some tricks about where to put my money now that will benefit me in the future.