SKU: 77263987937

The Value of Debt in Retirement: Why Everything You Have Been Told Is Wrong

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The Value of Debt in Retirement: Why Everything You Have Been Told Is WrongIncrease the odds you won't run out of money in retirement using debt Conventional wisdom is wrong being debt free in retirement may actually increase your risk. The Value of Debt in Retirement teaches you how incorporating debt into your retirement strategy may increase your return, lower your taxes and actually lower your risk. You read that right. If handled correctly, debt that thing we've all been taught to avoid can play an integral role in your

Increase the odds you won't run out of money in retirement - using debt

Conventional wisdom is wrong - being debt free in retirement may actually increase your risk. The Value of Debt in Retirement teaches you how incorporating debt into your retirement strategy may increase your return, lower your taxes and actually lower your risk. You read that right. If handled correctly, debt--that thing we've all been taught to avoid--can play an integral role in your life, especially in retirement. New York Times Best Selling Author and nationally acclaimed financial expert Tom Anderson shows you how to use the time tested strategies of the best companies and the ultra rich to retire comfortably, minimize taxes, buy the things you have always wanted to have and do the things you have always wanted to do.

Thought provoking and against the grain, Anderson explains why your risk tolerance doesn't matter, why being debt free may actually increase your risk and why rushing to pay off your mortgage may be a financial disaster. Full of shocking revelations and tricks high- net-worth individuals have used for years, The Value of Debt in Retirement opens the world to a new approach to wealth management in retirement, one that factors in both sides of the balance sheet as an integrated ecosystem.

Real-world case studies illustrate how informed debt strategies can lead to a happier, healthier retirement. See how an individual with a net worth of more than $5 million can spend $20,000 per month - after taxes - and pay less than $5,000 per year in taxes, how it is possible to increase your rate of return by 50%, and how a lower risk portfolio with debt could increase the chances you do not run out of money.

Specifically written to Baby Boomers, practical guides and checklists show how to use debt strategies to fund primary and secondary properties, refinance credit card debt, and finance hobbies, such as cars and boats and recreational vehicles. Additional guides show how you can help your children, help your parents and leave a bigger legacy for your heirs and favorite charities. Regardless of your net worth, The Value of Debt in Retirement provides tools to use to apply these concepts to your personal situation.

There is no free lunch: the book delivers a balanced perspective focusing on the potential risks and benefits of the strategies discussed. A discussion on economic history highlights some of the shocks the economy may face and provides important warnings that you should factor into your retirement plan. Anderson not only shows that your life expectancy may be longer than you think, but also illustrates that many investors may be on track to average returns well under 4% for the next ten years - a potentially devastating combination. Irrespective of your beliefs about debt, The Value of Debt in Retirement proves risk is more important than return for retirees and provides suggestions on ways to minimize that risk.

Not all debt is good and high levels of debt are bad. The Value of Debt in Retirement is about choosing the right debt, in the right amounts, at the right time. Perhaps most importantly, this book isn't for everybody. This book requires responsible actions. If you can't handle the responsibility associated with the ideas then this book then it isn't for you. If you need a rate of return under 3% from your investments then you may not need this book. But if you can handle the responsibility and if you need a return above 3%, this book may offer insights into the best (and potentially only) way to achieve your goals.



Binding Type: Hardcover
Publisher: Wiley
Published: 03/16/2015
ISBN: 9781119019985
Pages: 336
Weight: 1.10lbs
Size: 9.10h x 6.20w x 1.10d
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SKU: 77263987937

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Massapequa, US
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Size: 10 Wide, Color: Tan Leather Burnished
I purchased these for a business trip to Italy and wore them daily for the two weeks that I was there, during which I walked extensively. For me, there was a break-in period of a few days; before it loosens up, it will bite your heel, so I recommend wearing bandages or heel pads initially. Following the break-in, it's a very comfortable shoe and has served me well. I purchased a wide, and for this shoe, I found the width agreeable; in my experience, Cole Haan wide widths tend to be hit or miss (i.e., a wide is sometimes not all that wide). In terms of durability, I would not expect these to remain in good condition for more than a year if you wear them daily. The leather is not of high quality, but it's acceptable for the price. Expect them to crease very quickly if not using shoe trees. That doesn't bother me, but I know some find it objectionable. All in all, I like them and would buy them again. It's a comfortable alternative to traditional dress shoes for the office and works equally well for casual wear. Most higher quality options cost at least two or three times as much, and many are unavailable in a wide.
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Nickolas Weston
Charlottesville, US
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My favorite shoes
Size: 14 Wide, Color: White Leather
I’ve probably purchased like 40 pairs of these shoes or more. By far my favorite white sneaker. I have a large foot so the bigger sizes are appreciated. They’re versatile, literally go with anything and they are true to size. At a certain point they start to show wear and you can’t dress them up, but they last as a regular sneaker for a long time afterwards. I try to nab them on sale when they drop to $50-$70, absolute steal at that price point.
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Ryan Miles
Natrona Heights, US
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Clean Look, Super Comfortable – Instantly a Favorite
Size: 9.5, Color: White Leather
These sneakers are exactly what I was looking for—sleek, minimal, and incredibly comfortable right out of the box. The white leather looks sharp and pairs easily with everything from jeans to chinos, even dressed-down office wear. What surprised me most was the comfort. The sole is lightweight with just the right amount of cushioning, making them perfect for walking around all day. I’ve worn them on long city days and never felt sore or tired. They fit true to size (I’m a 9.5 and they’re spot on), and the quality feels premium. If you're after a versatile white sneaker that balances style and comfort, these are 100% worth it.
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Birmingham, US
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Size: 10.5 Wide, Color: Black Leather/Black
Very comfortable shoes, you feel like walking on clouds
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Birmingham, US
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Not for all surfaces.
Size: 11.5 Wide, Color: Black Leather/Optic White
The sneakers look great and are comfortable on flat, smooth surfaces. Warning: The sole is very flexible and not well cushioned so a walk on rough or uneven surfaces can become uncomfortable quickly. Just understand the limitations.
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