Jane Bryant Quinn - How to Make Your Money Last : The Indispensable Retirement Guide

Praise for How to Make Your Money Last

Jane Bryant Quinn is Americas dean of personal finance. If anyone knows how to get us through retirement, its Jane. The book is a true treasure chest of financial secrets, tips, how-tos, and advice for anyone who is about to retire or has retired. If you need a kind but tough drill sergeant to kick you out of your retirement doldrums, set you on a safe financial path, and keep you smiling through your next stage of life, this book is the answer.

Forbes

Bottom line, anyone on the retirement track or in retirement should own this book.

Huffington Post

Quinn covers almost every kind of money matter a retiring boomer might need to know a book you should plan to read.

Columbus CEO

How to Make Your Money Last reads as if a financial sage with your personal interests at heart has come to kindly tell you what to do, with all caveats carefully considered.

Nashville Banner

Quinn is one of the countrys leading commentators on finance. Her clarity of prose is matched with a generosity of spirit, and all the information is graciously laced with a noncondescending tone that renders this book as absolutely helpful as the author intended. Quinns books are always in demand, and this one will prove no exception.

Booklist, starred review

Quinn provides savvy suggestions to people approaching, entering, or managing retirement. Readers at these mature stages of planning will find valuable insight and resources here. With strategy and thoughtfulness, Quinns readers will be able to get more from your assets than you probably think you can.

Library Journal

Praise for Making the Most of Your Money NOW

The Joy of Cooking of personal finance. It provides the basics in just about any area you can think offrom what you should consider about money when you are in your 20s to what to do with your investments once you have retiredand presents simple, straightforward recipes outlining the fundamentals of how to accomplish your goals.

The New York Times

I found myself racing through this gigantic compendium because it was engagingly written and full of useful information.

The Washington Post

A financial management bible, updated Jane Bryant Quinn has been teaching all of us how to better manage our moneyfor the better part of three decades.

MarketWatch

A practical tour de force from the maven of money. This is simply the best handbook for managing personal finances that I have ever seen.

Rosabeth Moss Kanter, Harvard Business School, author of World Class

The class book for practical financial adviceencyclopedic in scope and written with clarity and style.

Burton G. Malkiel, author of A Random Walk Down Wall Street

No one is smarter about moneyor easier to read or clearer or more conscientiousthan Jane Bryant Quinn.

Andrew Tobias, author of The Only Investment Guide Youll Ever Need

ALSO BY JANE BRYANT QUINN

Making the Most of Your Money NOW: The Classic Bestseller Completely Revised for the New Economy

Making the Most of Your Money

Smart and Simple Financial Strategies for Busy People

Everyones Money Book

This publication contains the opinions and ideas of its author. It is sold with the understanding that neither the author nor the publisher is engaged in rendering legal, tax, investment, insurance, financial, accounting, or other professional advice or services. If the reader requires such advice or services, a competent professional should be consulted. Relevant laws vary from state to state. The strategies outlined in this book may not be suitable for every individual, and are not guaranteed or warranted to produce any particular results.

No warranty is made with respect to the accuracy or completeness of the information contained herein, and both the author and the publisher specifically disclaim any responsibility for any liability, loss or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this book.

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Library of Congress Cataloging-in-Publication Data is available.

ISBN 978-1-4767-4376-9

ISBN 978-1-9821-1583-8 (pbk)

ISBN 978-1-4767-4378-3 (ebook)

To all my grandchildrenthe next generation coming up

Hallee, Elias, Dana, Jesse, Tyler, Maisy, Hudson, Kai, Riley, Juno, and Dion

I started this book because my head was popping with questions about the life phase we call retirement. After decades of working, were finally freebut free to do what? A whole generation is reinventing itself as it moves away from the role of earner toward the new status of engaged and interested citizen, retired.

There are no guarantees. In the four years since this book first appeared, laws and the economy have taken some sudden turns. If youre younger than Medicare age, youre newly worried about health insurance. Attacks on the ACA (Obamacare) have raised its price, forcing thousands of midlife, middle-income people back into the world of the uninsured. If youre seeking help when managing your retirement savings, your adviser no long has to be a fiduciarythat is, an adviser who truly puts your financial interests first. (Chapter 2 tells you how to find real fiduciaries among the advisers who now pretend to be.) Due to relaxed regulations, its also easier to sell safe, high-interest investments because safe is whats on peoples minds. (You know theyre not safe, dont you?)

Amid these changesemotional and financialwe have to find our footing. We may be free of the workaday world, but what will our lifestyle look like and how are we going to pay for it? None of us knows how many years we have ahead20? 30? More? Last year, I lost my mother; she was 103sharp almost to the end.

Centenarians are rare, but our lengthening life expectancies continue to surprise us. On average, youll reach your mid- to late 80s. More than one in three women and one in five men will live past 90. We have every reason to worry that our money will run out before we do. Many of us stay on the job well past traditional retirement age, not just because we like the work but because we need our salaries, too.