Work Optional Retire Early the Non-Penny-Pinching Way
by Tanja Hester
288 pages
This book is the best of a few that I've read about retirement and finances because its start, center and focus is not on earning enough to retire but on defining what kind of a life you want before and after retirement. Finances are clearly a part of any retirement (or work-change plan) but money should be in the service of life goals not the other way around. The book was practical and focused with enough detail to offer guidance in defining goals, outlining a process to work with life partner these, making a financial plan to accomplish those goals, reviewing the plan and putting the plan into practice through retirement, semi-retirement or a gap year -- through savings, lowering expenses, increasing income for a time, or finding new streams of income. In prioritizing life-goals the book does not assume keeping present house, location, cars, expenses, health insurance, meals out, lifestyle, etc. but identifies financial options in these areas to review so that bigger goals can be accomplished.
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