{"title":"Retirement Planning","description":"\u003cp\u003eYou typed how much should I have saved for retirement at 55 into a search bar and got back a multiple of your salary. A six-figure shortfall isn't a plan; a monthly number is. These work out what you're actually short and price every lever that moves it, then hand your family the 21 fill-in sections that answer, later and in your own hand, what you would have wanted.\u003c\/p\u003e","products":[{"product_id":"retirement-catch-up","title":"Retirement Catch-Up","description":"\u003ch3\u003eBehind is not a verdict. It's a number with a cause.\u003c\/h3\u003e\n\u003cp\u003eYou typed some version of it into a search bar — how much should I have saved for retirement at 55 — and the answer came back in under a second: a multiple of your salary, or a round million dollars. You read it, did the subtraction, and stopped.\u003c\/p\u003e\n\u003cp\u003eA six-figure shortfall is not a plan. A monthly number is. This book works out what you're actually short, prices every lever on its own, then closes on a one-page sheet.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eWhat your savings actually produce a month — and what they don't.\u003c\/li\u003e\n\u003cli\u003eWhy a later claiming date isn't free, and when it still wins.\u003c\/li\u003e\n\u003cli\u003eThe health insurance bridge between your last paycheck and 65.\u003c\/li\u003e\n\u003cli\u003eHousing as the biggest lever, and its two separate effects.\u003c\/li\u003e\n\u003cli\u003eFive households worked end to end, every change priced.\u003c\/li\u003e\n\u003cli\u003eThe one-page plan Chapter 19 closes on, shown filled in.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e\u003cstrong\u003eQuestions people ask\u003c\/strong\u003e\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eWho is this book for?\u003c\/strong\u003e \u003cbr\u003eSomeone in their fifties, still earning, who has looked at a retirement benchmark and at their own balance and found the distance between them frightening. It assumes you are working, that you have some runway left, and that nobody is coming with a windfall. It does not assume a spouse, a pension, or a particular household shape — five different households are worked through in Chapter 14, and one of them is a widow, one is divorced, one is a couple, and one is self-employed.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eI'm 57 with far less saved than the benchmark says. Is it too late?\u003c\/strong\u003e \u003cbr\u003eThe honest answer is that you cannot save your way out of this in five years, and the book says so on the back cover. What you can change is what those five years have to fund. The retirement date, the claiming date, the coverage you buy before 65, the mortgage, the recurring costs and the accounts you stopped looking at all move the same monthly number, and several moderate changes together move it further than any single heroic one. None of the five plans in Chapter 14 reaches zero. Every one of them ends up somewhere better than it started.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eDoes it tell me what to invest in?\u003c\/strong\u003e \u003cbr\u003eNo, and that is deliberate. Every illustration in the book assumes zero growth, because a plan that needs a particular return in order to work is a plan resting on the one assumption you do not control. Chapter 17 is specifically about what not to do when the numbers create urgency — reaching for return, buying a guarantee without pricing it, and the other moves that look like catching up and are not. The book prices what you can move and hands the investment question to someone licensed to answer it.\u003cbr\u003e\u003cmeta charset=\"utf-8\"\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003ePaperback Book · 204 pages\u003cbr\u003e\u003c\/em\u003e\u003cem\u003eEducational information only — not legal, financial, medical, or tax advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"Retirement In Order","offers":[{"title":"Default Title","offer_id":44487723483239,"sku":"pmzqkn","price":26.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0680\/7312\/8039\/files\/retirement-catch-up-thumb.png?v=1788448763"},{"product_id":"retirement-catch-up-workbook","title":"Retirement Catch-Up Workbook","description":"\u003ch3\u003eYou know roughly what you have. You don't know what it means.\u003c\/h3\u003e\n\u003cp\u003eForty-six pages, 8.5 x 11, printed to be written in. Your spending, your SSA figures, your balances and your debt end-dates go on the page and come down to one number — your rough monthly gap — with a worked example printed opposite.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eWhat you spend now, and what changes when work stops.\u003c\/li\u003e\n\u003cli\u003eYour Social Security, copied off your own statement.\u003c\/li\u003e\n\u003cli\u003eYour rough monthly gap, on one facing spread.\u003c\/li\u003e\n\u003cli\u003eThe same spread filled in, as a worked example.\u003c\/li\u003e\n\u003cli\u003eThree levers you test yourself, one page each.\u003c\/li\u003e\n\u003cli\u003eA one-page plan you date and sign.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e\u003cstrong\u003eQuestions people ask\u003c\/strong\u003e\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eDo I need the book to use it?\u003c\/strong\u003e \u003cbr\u003eNo. Every page says what to write and why it matters, and the one page that needs judgement prints a worked example opposite. The book is where the reasoning lives, which is what you want once a lever test turns out to be the interesting one.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eHow much arithmetic is there?\u003c\/strong\u003e \u003cbr\u003eSix pages of it in the whole workbook, all of it add a column and subtract twice. UNKNOWN counts as an answer.\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003ePaperback Book · 46 pages\u003cbr\u003e\u003c\/em\u003e\u003cem\u003eEducational information only — not legal, financial, medical, or tax advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"Retirement In Order","offers":[{"title":"Default Title","offer_id":44548105502823,"sku":"8mdgvv","price":25.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0680\/7312\/8039\/files\/retirement-catch-up-workbook-thumb_a98d4d07-cf46-4913-86c7-6c1227d434c0.png?v=1788738895"},{"product_id":"retirement-catch-up-bundle","title":"Retirement Catch-Up Bundle","description":"\u003ch3\u003eOne book explains the arithmetic. The other is where you do it.\u003c\/h3\u003e\n\u003cp\u003eTwo paperbacks, one parcel, for the fifty-something who ran the numbers once and stopped. The 204-page plan that prices every lever, and the 46-page fill-in workbook where your own figures become one gap and a plan you sign.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eRetirement Catch-Up — nineteen chapters, every lever priced.\u003c\/li\u003e\n\u003cli\u003eFive households worked end to end, every change costed.\u003c\/li\u003e\n\u003cli\u003eThe Workbook — 8.5 x 11, printed to be written in.\u003c\/li\u003e\n\u003cli\u003eYour rough monthly gap on one spread, an example opposite.\u003c\/li\u003e\n\u003cli\u003eThree lever tests, then a one-page plan you sign.\u003c\/li\u003e\n\u003cli\u003eBoth editions exactly as sold separately — nothing abridged.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003e\u003cstrong\u003eQuestions people ask\u003c\/strong\u003e\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eWhich one do I start with?\u003c\/strong\u003e \u003cbr\u003eThe workbook, if you want a number this weekend — its first part asks only for figures you already have or can pull off one SSA statement. Start with the book if what's stopping you is not believing the exercise is worth doing.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhy buy the pair instead of one?\u003c\/strong\u003e \u003cbr\u003eThey fail in opposite ways on their own. A book you agree with and never act on changes nothing; a workbook filled in without the reasoning gives you a number and no idea which lever to pull.\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eTwo Paperback Books · 250 pages\u003cbr\u003e\u003c\/em\u003e\u003cem\u003eEducational information only — not legal, financial, medical, or tax advice.\u003c\/em\u003e\u003c\/p\u003e","brand":"Retirement In Order","offers":[{"title":"Default Title","offer_id":44548110942311,"sku":"k596z9","price":45.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0680\/7312\/8039\/files\/retirement-catch-up-bundle-thumb_864aa934-fcbf-464b-ba1e-9b88c16daaaf.png?v=1788738902"}],"url":"https:\/\/shop.retirementinorder.com\/collections\/retirement-estate-planning.oembed","provider":"Retirement In Order","version":"1.0","type":"link"}