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Many older Americans today are poorly prepared to finance their retirement years, and such under-preparedness is especially acute for members of disadvantaged racial and ethnic minority groups. Black and Hispanic families, for example, have only a quarter of the amount of net private wealth (assets minus liabilities) compared to White families. Moreover, racial wealth gaps have not diminished much in the past four decades, in part because Whites tend to save more in and withdraw less from employer-sponsored retirement plans than do their Black and Hispanic counterparts.

Discover the strategies the ultra-wealthy use to grow their fortunes and legally avoid taxes — made simple for EVERYONE — with the ultimate guide to reducing your tax bill to zero. Learn the secrets the rich use to get rich, and STAY RICH, including: Master the S.M.A.R.T. system: Strategies to Maximize Assets and Reduce Taxes; Build your “Perfect Portfolio”: It is LIFE-CHANGING!; Leverage “The Five Pillars” of investing — stocks, real estate, life insurance, cryptocurrency, and precious metals — a bulletproof, tax-free financial plan.

Learn insider strategies that Robert Pagliarini, Ph.D, CFP has used for almost three decades to help thousands of clients grow their wealth and live their best lives in retirement.

Most people know Dave Ramsey as the guy who did stupid with a lot of zeros on the end. He made his first million in his twenties—the wrong way—and then went bankrupt. That’s when he set out to learn what God had to say about managing money and building wealth. As a result, Dave developed the Ramsey Baby Steps and became a millionaire again—this time the right way. After three decades of guiding millions of others through the plan, the evidence is undeniable: the Baby Steps not only work for everyone, but they’re proven to work fast.

Tailored for small-business owners and entrepreneurs like yourself who are looking for long-term financial planning and wealth management, The Business Owner's Guide to Financial Freedom reveals the secrets behind successfully investing in your business while bypassing Wall Street-influenced financial planners.

This book Will Walk You Through the Emotional and Behavioral Changes to Expect to ensure a Happy, Fulfilling, and Financially Stable Retirement! It's pretty crazy how different people's reactions to retirement can be. For some, they absolutely dread the concept of retiring, of giving up their position, of never working again. You can't blame them, though. Imagine working your whole life to finally get the position you've dreamed of, only to retire and not know what to do. It can feel very unsatisfying.

Why do we have to work for 40 years and only retire once? Author Jillian Johnsrud has walked the walk – taking numerous mini retirements that have unlocked work-life balance and a more purposeful life, while also helping rather than hindering her career thanks to simple steps and practical principles that anyone can follow.

Retirement planning is changing—fast. The old playbook no longer works in today’s evolving financial landscape. If you want a secure, flexible, and future-proof retirement, you need more than just 401(k)s and index funds. The smartest investors are blending traditional financial tools with modern strategies—including breakthrough technology and alternative assets—to accelerate their retirement goals. This guide reveals essential strategies to build and protect long-term wealth—without relying on outdated methods that may not stand the test of time.

Retirement isn’t just about what you’re leaving behind—it’s about what you’re gaining: happiness, personal freedom, the joy of breakfast in the afternoon, and designing your dream retirement as an active, happy retiree. Do you ever wonder how to redefine yourself after leaving your career behind? Ready to swap deadlines for dancing in your living room and trade stress for a new routine, a new YOU? This book is your fun, fabulous guide to making retirement the most exciting, vibrant, and fulfilling chapter of your life!

Unlock a vibrant and adventurous retirement filled with fun and freedom, without the stress of feeling left behind in your golden years! Do you wonder how to fill your days now that you’ve retired? Or perhaps you're searching for enriching activities that resonate with your interests, but feel overwhelmed by the choices? Have you thought about reconnecting with your community or pursuing a new hobby, only to find yourself hesitant or unsure where to start? If you nodded ‘yes’ to any of these questions, know that you’re not alone.

It is not difficult to imagine the sense of panic when faced with the sheer administrative hassle of the end of life, despite the fact that it will come to us all sooner or later. As we get older, all that needs to be done can feel alarmingly daunting.

Discover your definitive path to joy and security in retirement, even if you're starting to think about it now! With people living longer than ever, ensuring a comfortable and fulfilling retirement has become a priority. Introducing Retirement Made Easy: The Ultimate Guide to Plan Leisure Activities, Boost Financial Wellness, Enhance Social Connections, and Consolidate Legacy Planning, a comprehensive resource to help you confidently navigate the multifaceted retirement journey.

You don't have to be a 23-year-old dancer with no savings to end up with the excruciating debts young Iris is confronted with in this latest work by financial and legal advisor Tad Crawford. Every year, thousands of Americans of all ages and backgrounds overtax their bank accounts and credit cards and are left with the tricky task of pulling themselves out of their financial chaos. Rarely can they receive such high-quality financial and moral support as The Money Mentor provides.

Start Late, Finish Rich applies David Bach's financial wisdom to all those who forgot to save (or just plain procrastinated) and are worried that it is too late to achieve financial freedom. For those who worry that they'll never be able to retire on their current savings, hope and help have arrived. David's message is that it is never too late to finish rich.

Tanja Hester and her husband Mark left their crazed careerist lifestyle to live their dream life in Lake Tahoe, retiring early from high-stress careers. Now Tanja will help you map out a customized plan for freedom and make it easy to succeed, whether you're good at math and budgeting - or not! Work Optional is more than just a financial plan: it's a plan for your whole life-designed by you, not by an employer or clients.

Becoming Your Own Banker - The Infinite Banking Concept is a text about the power of dividend-paying whole life insurance. This book demonstrates that your need for finance, during your lifetime, is much greater than your need for protection. Solve for this need through this instrument and you will end up with more life insurance than the companies will issue on you. It is not a sales tool for life insurance agents.

Crafting Your Ideal Retirement: A Practical Guide This comprehensive retirement guide is here to take the mystery out of retirement. It's a practical, easy-to-follow playbook that covers every facet of planning your latter years. Transform retirement into a vibrant, fulfilling phase with our comprehensive guide.

When you think about retirement, what comes to mind? Maybe it has something to do with stopping work, but should it? Whatever your plans for retirement are, do you know how to achieve them? Do you know how your pensions, ISAs, property and everything else will come together to deliver the lifestyle you want one day?

Are you making a million-dollar mistake with your Social Security benefits? The traditional "break-even" approach to Social Security claiming leaves retirees vulnerable to running out of money, paying unnecessary taxes, and failing to protect their surviving spouse. With over 3,000 rules and 500 different claiming combinations for married couples, making the wrong choice could cost you hundreds of thousands in lost benefits.

Gregorio Hernández, uno de los grandes divulgadores financieros de nuestro país, nos presenta en este audiolibro su método de forma condensada, con todo lo esencial que necesitas para empezar hoy mismo tu camino hacia la independencia financiera, y nos enseña todo lo que jamás nos contaron sobre nuestras finanzas personales. De este modo, y mediante ejemplos sencillos y casos prácticos pensados para ahorrarnos mucho tiempo, nos ofrece las claves para dejar de ser esclavos del dinero y empezar a sacarle todo su potencial.