You Don't Have to Drive an Uber in RetirementHow to Maintain Your Lifestyle without Getting a Job or Cutting Corners
It’s never too late to start planning for retirement You Don’t Have to Drive an Uber in Retirement is a survival guide for your golden years, and a lifeline for those entering the Retirement Crisis unprepared. Roughly 45 percent of Americans have zero dollars saved for retirement—but the average retiree will spend $154,000 in out-of-pocket health care costs alone. We need to figure out how to generate more income, even in retirement, and spend less. How do we boost our retirement income? Is investing the way to go? How much do we need, anyway? This book does more than just answer the important questions—it gives you real-world tips to help you reach your financial goals. Yes, it is possible to increase your income in or as you approach retirement. These guidelines will help you optimize your assets and put away more money for the years you’ll need it most. Planning for retirement does not mean holding off on fun today; there are many ways the average American can reduce everyday costs of living without living like a pauper. This book will help you take stock of what you have and what you’ll need, and show you how to bridge the gap. Maximize your savings while minimizing the lifestyle impact Unique ways for generating a meaningful amount of income, that don’t require you to get a job Learn just how much you’ll need for a comfortable retirement Adopt new everyday strategies that will help you bolster your funds Add new income streams, optimize your portfolio, and learn to spend less without living less—these are the key factors in making your golden years truly golden. You Don’t Have to Drive an Uber in Retirement is an important resource and insightful guide for those hoping to one day leave the workforce—in comfort.
Foreword xi Introduction xv Part I Generating Income 1 Chapter 1 Give Yourself a Raise 3 Chapter 2 Using Options for Income 13 Chapter 3 Be the Bank 23 Chapter 4 Become the IRS: Have People Pay Taxes to You 37 Chapter 5 Get Paid More from Social Security 43 Chapter 6 You Don’t Have to Drive for Uber – But You May Want To 53 Chapter 7 The 401k You’ve Never Heard Of 61 Part II Cutting Costs 67 Chapter 8 Lower Your Medicare Costs 69 Chapter 9 Medical Tourism 75 Chapter 10 Pay Less for Your Medicine 81 Chapter 11 Pay Less in Taxes 87 Chapter 12 Lower Your Investment Costs 95 Chapter 13 How to Buy a Car for 25% Off 103 Chapter 14 How to Travel for Less 109 Part III Small Ideas That Add Up 117 Chapter 15 Small Ideas That Add Up 119 Part IV Ideas I Don’t Like 141 Chapter 16 The Worst Investment You Can Make 143 Chapter 17 Lose Your Life Insurance 153 Chapter 18 Reverse Mortgages 163 Conclusion 167 About the Author 169 Acknowledgments 171 Index 173
MARC LICHTENFELD is the Oxford Club's Chief Income Strategist and Founder and Senior Editor of The Oxford Income Letter. He has appeared on CNBC, Fox Business and Bloomberg Radio. His work has been featured on WSJ.com, Forbes and U.S. News and World Report and others. A former Wall Street analyst and business journalist, he is regularly seen as a featured speaker at investment conferences all over the world. His previous bestselling book Get Rich with Dividends is in its second edition and has been published in multiple languages. Get Rich with Dividends was named 2016 Book of the Year by the Institute for Financial Literacy.
This book shows you why, no matter your age or financial profile, you can have the kind of retirement you want and deserve. It's chock full of proven strategies for optimizing your retirement income while spending less—and having a ball while you're at it! Bestselling author and Chief Income Strategist Marc Lichtenfeld shares little known secrets for putting the gold in your golden years. You'll discover how to add new, non-stop income streams, save money doing the things you love, and turn that saved money into more money. And whether or not you have a pension you won't have to lower your expectations, your standard of living, sell your home, get stuck in a reverse mortgage or some other scheme designed to take advantage of seniors. And you absolutely will not need to join the nearly 50% of Americans who must work in retirement to supplement their incomes—unless you want to. In other words, You Don't Have to Drive an Uber in Retirement. The final part of the book is devoted to outlining ways to save money on the necessities as well as the things you enjoy most. You get simple tools and strategies for saving thousands of dollars a year in medical costs and taxes. And you'll discover dozens of ways to get deep discounts on—and even make money doing—everything from travel to dining out, shopping to fly fishing. Your complete guide to taking charge of your retirement and living it on your terms, You Don't Have to Drive an Uber in Retirement helps you to take stock of what you have and what you'll need and shows you how to get there in style.
PRAISE FOR YOU DON'T HAVE TO DRIVE AN UBER IN RETIREMENT "Here is a stimulating, common sense compendium of ideas and approaches to getting more income and shrewdly cutting expenses so that you can have a very nice life after retiring." —Steve Forbes, bestselling author, Chairman and Editor-In-Chief at Forbes Media "The world has gone crazy. The middle class is deflating. Millennials are lost. And retirees can't cash in their decades of hard work. I've known and admired Marc's work for ten years. He solves the problem in this book." —James Altucher, bestselling author of Choose Yourself "Bestselling author Marc Lichtenfeld has long been recognized as one of the nation's foremost experts on maximizing investment income. In his new book, he not only reveals how to earn safe, high yields in a low-income world but also shows you how to save tens of thousands of dollars on everything from health care to taxes to investment advice. Whether you're planning for retirement or already there, these innovative strategies are indispensable. Highly recommended." —Alexander Green, Chief Investment Strategist, The Oxford Club "Marc Lichtenfeld should be on everyone's investing book shelf. His first book on dividends should be as well. I read this latest book in two afternoons by the fire, and learned things about retirement I'd never dreamed possible. Filled with nuggets of wisdom and ideas for living a richer life, Lichtenfeld entertained me and probably added thousands to my bank accounts. Fantastic, easy to read, and will be my go to gift for friends and family in 2018!" —Dr. David Eifrig Jr., editor, Retirement Millionaire "How do you organize your retirement finances so you don't have to pinch every penny... or check under the seat cushions for quarters in order to buy a cup of coffee? And, don't expect the government to rescue you from retirement poverty. Marc Lichtenfeld has been advising Americans on these things for 20 years, showing them how to add to their incomes and investment gains, while reducing their living costs. This may be the year you most need his advice." —Bill Bonner, New York Times bestselling author of Financial Reckoning Day, The New Empire of Debt and Hormegeddon
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