Engineering Your Retirement

Preface.
Acknowledgments.
1. Retire On Your Schedule.
1.1. Retirement Options.
1.2. Is There a Retirement Crisis?
1.3. How Much Do I Need to Retire?
1.4. How Long Will it Take Me to Save Enough Money?
1.5. Learning Your Own Life Values.
2 Analysis Tools and Calculations.
2.1. Predictions Based on Average Returns and Inflation.
2.2. Spending Models.
2.3. Historical Data.
2.4. Monte Carlo Simulation.
2.5. Historical Simulation and the 4% Rule.
3 Live Below Your Means (LBYM).
3.1. Spending.
3.2. Breaking the Relationship Between Earning and Spending.
3.3. Establishing Budget Projections.
3.4. Credit Cards.
3.5. Increasing Earnings.
4 Emergency Funds and Insurance (First Take Care ofStability).
4.1. Medical Insurance and Healthcare Budgets.
4.2. Emergency Fund.
4.3. Personal Financial Concerns.
4.4. Documents.
5 Investment Instruments.
5.1. Bonds.
5.2. Stocks.
5.3. Real Estate.
5.4. Annuities.
5.5. Defined Benefit Plans (Pensions).
5.6. Cash and Certificates of Deposit.
5.7. Social Security.
5.8. Mutual Funds.
5.9. Exchange-Traded Funds (ETFs).
5.10. Commodities.
6 Your Investment Plan.
6.1. Eliminate "Bad" Debt.
6.2. Investment Issues.
6.3. Tax-Advantaged Accounts and Free Money.
6.4. Taxable Investments.
6.5. House--Purchase or Rent?
6.6. Mortgage Payoff Decision.
6.7. Taxes.
7 What Will I Do When I Retire?
7.1. Work Part-Time.
7.2. Travel.
7.3. Volunteer.
7.4. Recreation and Leisure.
7.5. Health and Self-Improvement.
8 Final Issues.
8.1. Before You Leave the Building.
8.2. Where to Live.
8.3. Sources of Income.
8.4. Taxes.
8.5. Rebalancing.
8.6. Heirs.
Appendix A: Web Site URLs: Information, Online Calculatorsand Software.
Appendix B: Fundamental Financial Equations.
Appendix C: Longevity Table.
Index.
About the Author.