4"clear, cogent, concise" stars !!

Thank you to Netgalley, the author and BenBella books for providing me with an ebook. I am providing an honest review. This will be released December 2024.

Please read my review with a grain of salt as this is geared to American Retirement planning and I am Canadian. Despite this, I gobbled this little book in one evening as some of the principles are applicable to Canadian situations despite having different retirement accounts and rules.

This will be most helpful to middle class and upper middle class American investors who take a hands on approach to their retirement planning. This is for people who know their stuff and diligently are planning for a safe and comfortable retirement.

The author goes through some of the difficulties he has with Ramsay, Orman, Fisher, Sethi etc and how he finds that although they may be helpful to those people that are seriously struggling with their finances that for the more established and level headed investors their advice is simply folksy and not based on facts and math. Personally I find these gurus to be entertaining but rigid, pompous and a bit ridiculous or in the case Orman extremely ridiculous.

The author strongly believes in greatly increased taxation in the near future as the level of American government debt is unsustainable and many programs are at risk (ie Social Security, Medicare etc)
The author advocates for Roth conversions (and a wise method for doing so), insurance products for some annuities and other strategies. I found the case studies very interesting. He backs up his strategies with clear rationales. Conversational approach to prose kept this reader engaged and interested.