This collection of columns and resources from Deputy Managing Money Editor Rodney Brooks offers advice for pre-retirees of any age as well as for people who have already drawn their last paychecks. It covers topics such as how much you need to save for retirement; advice from people who have vowed to never retire; how much you should withdraw from your nest egg every year; the biggest mistakes couples make; how to prepare better for health care costs without blowing through your nest egg; and the wisdom of raiding your retirement accounts to start that business you’ve dreamed about all your life.
Author, Rodney A. Brooks is Deputy Managing Editor/Personal Finance and retirement columnist for USA TODAY. He joined USA TODAY in 1985 as an assignment editor in the Money section and was later named deputy managing editor. Previously he was an assistant business editor and business writer at the Philadelphia Inquirer. He has also worked as a reporter and/or editor for several newspapers including The Bulletin in Philadelphia, the Citizen-Times in Asheville, N.C. and the Ithaca Journal in Ithaca, N.Y. You can find him on Twitter @perfiguy
Editor, USA TODAY is a multi-platform news and information media company. Founded in 1982, USA TODAY's mission is to serve as a forum for better understanding and unity to help make the USA truly one nation. Through its unique visual storytelling, USA TODAY delivers high-quality and engaging content across print, digital, social and video platforms. An innovator of news and information, USA TODAY reflects the pulse of the nation and serves as the host of the American conversation — today, tomorrow and for decades to follow.
Get expert guidance on how to track expenditures, reduce spending, get out of debt, invest wisely, save for college and other events, and how to survive the unexpected! In no time at all, you will gain valuable financial know-how and find out how to start investing!
Find out:Ways to weigh expected investment returns and risksHow to determine your investment goalsAdvice on how to plan for the futureThe best ways to reduce and eliminate debtHow to change credit card habits
Quotes regarding the book:
You are about to embark on a voyage into monetary enlightenment. Enjoy your journey. You will be rewarded.
J. David Spiceland, PhD, CPA, Professor of Accountancy.
Cynthia's publication comes at a great time when people are in need of professional advice concerning their finances. She has hit a home-run.
Laurence V. Plummer, Sr., President, Plummer Financial Services, LLC.
Cynthia has done an excellent job of capturing my weakness when it comes to my motivation to spend... I'm elated with the solutions she offers and I will make sure all of my friends and family have a copy of this book.
Marilyn Kelley, Business Instructor and friend Dallas, Texas.
ABCs that make cents has practical tools; its filled with great ideas to building a successful financial plan for your family, needed especially during these economic times. Christine Shipman, CPS Miami, Florida.
Michelle states the importance of not only fixing the issue of money but also exploring the reasons why we continue to find ourselves in a state of financial hardship. She knows that financial issues are both an outside issue of money and an inside issue of self-worth and self-esteem. By following the steps and completing the exercises in this book, the reader will not only gain financial empowerment, but also find freedom from financial insecurity.
In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers:
With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace.
Have you ever wondered why some people seem to get rich easily, while others are destined for a life of financial struggle? Is the difference found in their education, intelligence, skills, timing, work habits, contacts, luck, or their choice of jobs, businesses, or investments?
The shocking answer is: None of the above!
In his groundbreaking Secrets of the Millionaire Mind, T. Harv Eker states: "Give me five minutes, and I can predict your financial future for the rest of your life!" Eker does this by identifying your "money and success blueprint." We all have a personal money blueprint ingrained in our subconscious minds, and it is this blueprint, more than anything, that will determine our financial lives. You can know everything about marketing, sales, negotiations, stocks, real estate, and the world of finance, but if your money blueprint is not set for a high level of success, you will never have a lot of money—and if somehow you do, you will most likely lose it! The good news is that now you can actually reset your money blueprint to create natural and automatic success.
Secrets of the Millionaire Mind is two books in one. Part I explains how your money blueprint works. Through Eker's rare combination of street smarts, humor, and heart, you will learn how your childhood influences have shaped your financial destiny. You will also learn how to identify your own money blueprint and "revise" it to not only create success but, more important, to keep and continually grow it.
In Part II you will be introduced to seventeen "Wealth Files," which describe exactly how rich people think and act differently than most poor and middle-class people. Each Wealth File includes action steps for you to practice in the real world in order to dramatically increase your income and accumulate wealth.
If you are not doing as well financially as you would like, you will have to change your money blueprint. Unfortunately your current money blueprint will tend to stay with you for the rest of your life, unless you identify and revise it, and that's exactly what you will do with the help of this extraordinary book. According to T. Harv Eker, it's simple. If you think like rich people think and do what rich people do, chances are you'll get rich too!