Poor Richard Retirement Retirement for Everyday Americans Aaron Clarey 9781545539095 Books
Download As PDF : Poor Richard Retirement Retirement for Everyday Americans Aaron Clarey 9781545539095 Books
Don’t have enough money saved up for retirement? No problem. Never started a 401k or IRA? Don’t worry. And are you so far behind in your personal finances you’re worried you’ll never be able to retire? It’s all good. Because whether you know it or not, the entire US retirement system is horribly flawed and was doomed to fail anyway. And that’s why every American needs to read “Poor Richard’s Retirement.”
“Poor Richard’s Retirement” is a revolutionary retirement system because, unlike today’s conventional retirement planning, it works. It puts retirement easily within the reach of your everyday man. Whether you have student loans, a mortgage, are behind in your retirement planning, or have no retirement savings at all, “Poor Richard’s Retirement” bypasses it all by showing you how little you truly need to retire. And it does so through the simple truth that happiness is not found in $400 yoga pants, luxury SUV’s, McMansions, or whatever lies they’re selling you on TV, but through love of family, friends, and your fellow man. All of which are free.
Make retirement infinitely easier and life happier. Buy “Poor Richard’s Retirement” today. Nobody in America has saved enough for retirement…until now.
Poor Richard Retirement Retirement for Everyday Americans Aaron Clarey 9781545539095 Books
I got this book as an Aaron Clarey fan as I was curious what he would have to say.As Aaron Clarey warned in his online videos, much of the content he shares here is also covered in Bachelor's Pad Economics. That said, this book gets to the point and outlines his general retirement philosophy, which focuses more on not spending money on meaningless garbage instead of focusing on saving every single penny. With the philosophy, the retirement he outlines is more in touch with reality than some other retirement planners.
Ultimately, if you are looking to make a spreadsheet of dollar earned will be going with your hand held the entire way, this book may not be for you. This book is much more of a step one that will let you know what else to investigate and more thoroughly learn about.
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Tags : Poor Richard's Retirement: Retirement for Everyday Americans [Aaron Clarey] on Amazon.com. *FREE* shipping on qualifying offers. Don’t have enough money saved up for retirement? No problem. Never started a 401k or IRA? Don’t worry. And are you so far behind in your personal finances you’re worried you’ll never be able to retire? It’s all good. Because whether you know it or not,Aaron Clarey,Poor Richard's Retirement: Retirement for Everyday Americans,CreateSpace Independent Publishing Platform,154553909X,BUSINESS & ECONOMICS Personal Finance Retirement Planning
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Poor Richard Retirement Retirement for Everyday Americans Aaron Clarey 9781545539095 Books Reviews
Meh... Here's my summary of the booklet "Stop spending money on stupid stuff" is as much if not more important than saving. The people in your life are more important than the "things", so put people first in your life and only spend on what you well & *truly* NEED -- Do you really, really *NEED* it? Avoid debt and get debt-free as fast as you can. Earn interest instead of paying interest. Don't gamble (stock market, mutual funds or casino's - they all are things you have no control over). Live below your means (be frugal, not cheap).
All good, solid advice, but there is nothing in this book that you probably haven't already heard more than a few times.
I like that Aaron writes about what's most important in life... spending time with the people in our lives that matter. He writes that when people in our lives die, the sadness we feel is more towards the guilt that we didn't spend more time with them when they were alive. In todays materialistic obsessed culture we buy stuff we don't need and fill our houses with it. The fact is many people don't have money put away for an emergency let alone anything put away towards retirement. Rather than spending money we don't have on things we don't need, we should be putting money into savings and retirement vehicles so that we'll have money in the future to spend on necessities. He writes about living a minimalist life so that retirement is affordable. He also writes towards the end of the book about how many people who enter retirement enjoy the leisure life in the beginning but then fall into depression due to not feeling a purpose in life anymore. I don't know if I'll ever fully retire, but I most definitely plan to semi-retire when the time comes.
It's a quick read of 141 pages of content. I read the first chapter of 50 pages in the evening before going to bed and the remaining 91 pages the next morning. I'm happy to add this to my ever expanding library and look forward to reading many of the other books written by Aaron.
It's an inexpensive, quick read that will make you think realistically about what you need. Average house size 50 years ago was half what it is now. So, your house is bigger, and you fill it with crap that you don't need, then spend 30 years paying off a mortgage to store stuff you don't want. Loved it.
Aaron Clarey, Poor Richard’s Retirement Retirement for Everyday Americans
Aaron Clarey is a consultant and unaffiliated economist who writes books that are meant to help young men and women make wiser financial choices. His approach is no nonsense, gruff, and often cynical. But despite seeming like a complete jerk, his advice which is free on his blog or youtube channel clearly comes from a big heart (for sensitive users or those who may listen w/children around, he does curse a lot). This is evident when he, for instance, criticizes parents who don't spend a great deal of time with their children (this is a common thread in his books and podcasts and I only listen to them a couple of times a year).
I disagree with a great deal of his material, but it's because he's not religious and I'm a Christian. But his grasp of markets, how they work, and what personal steps are necessary for success are second to none.
That being said, if you're a millennial, especially one who graduated college between 2007-2010, you've probably wondered how in the heck you could ever retire. Clarey's has what all books of this sort have. It contains a helpful explanation of steps one can take in order to get ready for retirement, but does something a great many similar books don't do. He reframes what it means to live a life of meaning with a personal sense of significance. The book amounts to a sort of secular explanation of Jesus' saying that we should "...take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.”
I think the argument he makes, though it veers toward Clarey's not infrequent cynicism is worth reading in full because of its rhetorical effect. So I won't explain it.
The practical tips he gives are excellent. His solution to the problem of retirement is ultimately satisfying (more on that below). And he does run some of the numbers comparing costs in previous generations of those of ye olde current year in a way that is helpful and potentially guilt inducing.
Worthwhile quotes
Understand this and understand this clearly. Most two-income families are Outsourcing the upbringing of their own children To complete strangers Passing up on seeing their children grow up So BOTH parents can work jobs they don’t like While suffering commutes that keep them from their families AND stressing themselves out in the process. (47)
We engage in the rat race, pursuing pointless educations, for taxing careers, life-wasting commutes, just to buy stuff, pointless material things, while abandoning anything and anybody that really matters in life. It’s the cause of the majority of divorces in the country, the majority of unvisited parents in nursing homes, and is ultimately responsible for all the country’s financial problems. And to throw the burden of saving for retirement on top of Americans’ inability to just keep it together, only makes an already-miserable situation impossible to bear. (48-49)
It is a full - time job to go and seek out new and interesting people who are going to make your life worth living. (134)
Conclusion
Ultimately, Clarey's essay on retirement is an admirable little book in that it accomplishes three things
Instructs you not to retire.
Tells you how to retire.
Subverts the present day value system.
With respect to number three, I'll wax philosophical. One of the reasons that a capitalist style economy can work is if Adam Smith's moral sentiments are assumed. Capitalism helps provide a wide degree of freedom to people who pursue a sort of Aristotelian/Christian/Stoic vision of the good life wherein virtue is paramount, social trust is assumed, and while the particulars of an individual's pursuit of wealth and greatness may vary, they typically revolve around family, invention, adventure, and philanthropy. Such a system of values simply is not broadly assumed in Western Civilization, and so capital itself is perceived as the highest and total good for man.
Clarey, an irreligious capitalist, sees this problem as a source of poverty and unhappiness and attempts to solve it by reorienting the value system of his audience. For this the book is worth ten times the price. Buy it for graduating seniors, read it if you're in college, use it to get out of debt. It's a good book.
I got this book as an Aaron Clarey fan as I was curious what he would have to say.
As Aaron Clarey warned in his online videos, much of the content he shares here is also covered in Bachelor's Pad Economics. That said, this book gets to the point and outlines his general retirement philosophy, which focuses more on not spending money on meaningless garbage instead of focusing on saving every single penny. With the philosophy, the retirement he outlines is more in touch with reality than some other retirement planners.
Ultimately, if you are looking to make a spreadsheet of dollar earned will be going with your hand held the entire way, this book may not be for you. This book is much more of a step one that will let you know what else to investigate and more thoroughly learn about.
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