Rich or poor, young or old, high school or college grad, this book,
written by economist Laurence J. Kotlikoff and syndicated financial
columnist Scott Burns, can change your life for the better! If you
follow the advice in this book, it will raise your living standard
(possibly by a lot), improve your lifestyle, and help you spend
'til the end. And it will completely transform your financial
thinking, turning every bit of conventional financial wisdom on its
head.
If this sounds like a revolution in financial planning, you got
it. So do "The New York Times," "The Washington Post," "The Wall
Street Journal," "USA Today," "Time," "Consumer Reports," and other
top publications that have been featuring the authors'
economics-based "consumption smoothing" approach to financial
planning.
"Spend 'Til the End" substitutes economic wisdom for the "rules
of dumb" that currently pass for financial advice. In the process
it indicts the investment and financial-planning industry for
giving most people saving and insurance targets that are much too
high and then convincing them to invest in risky mutual funds and
expensive insurance policies. The result is that most people are
scrimping and saving during the years when they could be spending
and enjoying their money -- and with no sure payoff.
Easy to read, this book is packed with practical and often
shocking advice on whether to work, how to pick a career, which job
to take, where to live, what sort of house to buy, how much to
save, when to retire, which kind of retirement account to use,
whether to have kids, whether to divorce, when to take Social
Security, how fast to spend down your assets in retirement, and how
to invest.
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