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Free at 45 [Paperback]

Timothy Stobbs
3.3 out of 5 stars  See all reviews (3 customer reviews)
Price: CDN$ 15.67 & FREE Shipping on orders over CDN$ 25. Details
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Book Description

March 1 2011 0986813109 978-0986813108
At last! A practical guide to early retirement in Canada! Free at 45 doesn't require you to win the lottery, be a real estate tycoon, be great at picking stocks or even have that much saved up yet. All you need is a strong desire to leave your job decades earlier than everyone else and be willing to figure out what actually makes you happy! In this book you will learn: Why your house is probably more important to your retirement plan than your pension plan. How to apply the new field of behavioral finance to your life to save more and be happier doing it. How to start living your dreams today and not wait until retirement. How to answer the question: "How much do I need to retire early?"

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Customer Reviews

3.3 out of 5 stars
3.3 out of 5 stars
Most helpful customer reviews
1 of 1 people found the following review helpful
4.0 out of 5 stars He's Not Really Retiring...Just Changing Jobs March 7 2014
By Mark
Format:Paperback
I agree that this book has lots of practical advice, but his definition of retirement is somewhat different from what most people think. He is a university educated chemical engineer, still working in his field, but his plan is to retire into publishing and politics. He's not retiring, he's just switching to jobs he likes better. He owns his own publishing company and has plans to be a politician. Most of us believe that retirement means not having to work and earn a living. He will be still be working at 45...that's not retirement.
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2 of 3 people found the following review helpful
5.0 out of 5 stars I Wish I Would Have Found This Book 20 Years Ago! April 20 2011
By Stewart
Format:Paperback
I'm 50 years old and know that I could have benefitted greatly from reading this book when I was 30!

The book is a wealth of knowledge for those wishing to explore the option of retiring early - decades before most people are able to do so. Although relatively short (150 pages) it's packed full of practical, easy to use information. The book covers the whole gamut of retirement planning. It touches on everything necessary to put you in a position of retiring early including such things as exploring your spending habits, the importance of consciously making decisions to bring you more happiness, how to reduce your spending, the calculations needed to determine when your ready to retire, and considerations that one should make when they think they're ready to pull the pin.

There are other good books out there that supplement this book. The book that comes to mind is "Your Money or Your Life" by Joe Dominguez and Vicki Robin. Free at 45, however, addresses some things outside the scope of the Dominguez/Robin guide to financial independence and I particularly enjoyed the information on the Canadian OAS and CPP - two programs that are often not discussed in similiar books that originate in the United States.

I was happy to discover that I'm closer to being able to retire then I thought. Rather then basing your retirement needs on some percentage of your existing income, the book gets you to evaluate your spending habits to more realistically determine your needs. Although I don't plan to retire in the next few years, it is comforting to know that the option may exist.

I would recommend this book to anyone interested in retiring early. The book requires you to reflect on what you really want, what makes you happy, and the importance of making cognitive decisions when it comes time to spending. A simple read and hard to put down once you've picked it up. Very insightful!
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1 of 2 people found the following review helpful
1.0 out of 5 stars All theoretical - he hasn't done it Nov. 26 2012
Format:Paperback
Here's the thing: The author hasn't done this himself. He is still only in his 30s. He has lots of plans and theories, but little to no experience. Many people have found out the hard way that they plans can be wiped out with a single market crash, job layoff, extended illness and so on. The author cannot know if or when any of these things might happen to him, but one or all of them certainly could. Then what? Better to find a book by someone who ALREADY has retired at 45, and did so on an average income.
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Most Helpful Customer Reviews on Amazon.com (beta)
Amazon.com: 3.0 out of 5 stars  2 reviews
1 of 1 people found the following review helpful
5.0 out of 5 stars Wish I Purchased This 20 Years Ago! April 19 2011
By Stewart - Published on Amazon.com
Format:Paperback
I'm 50 years old and know that I could have benefitted greatly from reading this book when I was 30!

The book is a wealth of knowledge for those wishing to explore the option of retiring early - decades before most people are able to do so. Although relatively short (150 pages) it's packed full of practical, easy to use information. The book covers the whole gamut of retirement planning. It touches on everything necessary to put you in a position of retiring early including such things as exploring your spending habits, the importance of consciously making decisions to bring you more happiness, how to reduce your spending, the calculations needed to determine when your ready to retire, and considerations that one should make when they think they're ready to pull the pin.

There are other good books out there that supplement this book. The book that comes to mind is "Your Money or Your Life" by Joe Dominguez and Vicki Robin. Free at 45, however, addresses some things outside the scope of the Dominguez/Robin guide to financial independence and I particularly enjoyed the information on the Canadian OAS and CPP - two programs that are often not discussed in similiar books that originate in the United States.

I was happy to discover that I'm closer to being able to retire then I thought. Rather then basing your retirement needs on some percentage of your existing income, the book gets you to evaluate your spending habits to more realistically determine your needs. Although I don't plan to retire in the next few years, it is comforting to know that the option may exist.

I would recommend this book to anyone interested in retiring early. The book requires you to reflect on what you really want, what makes you happy, and the importance of making cognitive decisions when it comes time to spending. A simple read and hard to put down once you've picked it up. Very insightful!
1.0 out of 5 stars Disappointed March 14 2013
By Colleen - Published on Amazon.com
Format:Paperback
I was really excited to get this book. To be honest, I didn't finish it. I couldn't. The poor grammar and typos were incredibly distracting. I was shocked it made it to print with so many errors, until I read that it was self-published. I'm not sure who did the proof-reading or even if it was done.

My other issue... No new ideas. There was nothing in the book (and I did skim the remaining chapters I didn't read) that was something I hadn't read before. Unplugging my tv when not in use is hardly a ground breaking idea.

My recommendation would be to read a classic like "The Millionaire Next Door" or a book by Dave Ramsey.

Congratulations on having a punished book, but I can't in good conscience recommend it to anyone.
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