Free Download The Number: What Do You Need for the Rest of Your Life and What Will It Cost?, by Lee Eisenberg

Free Download The Number: What Do You Need for the Rest of Your Life and What Will It Cost?, by Lee Eisenberg

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The Number: What Do You Need for the Rest of Your Life and What Will It Cost?, by Lee Eisenberg

Free Download The Number: What Do You Need for the Rest of Your Life and What Will It Cost?, by Lee Eisenberg

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Review

"[Eisenberg] has a deft way of making abstract financial principles both personal and funny. His book will definitely make you think about where you're going and why." -- MoneySense"[Eisenberg's] tips are timely for millions of baby boomers who are hurtling toward retirement with little sense of what they want from it or how they'll get along once they no longer bring home a paycheck." -- Hartford Courant"Today's hottest personal finance book is Lee Eisenberg's The Number...read The Number, think about the Number." -- Dallas Morning News"An important book, one that illuminates the appalling mistakes that many baby boomers are making as they approach later life." -- Wall Street Journal

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About the Author

Lee Eisenberg, most recently the author of Shoptimism: Why the American Consumer Will Keep on Buying No Matter What (2013). The Number was a New York Times bestseller and was cited by Business Week as one of the best books of the year. Eisenberg is also the former editor in chief of Esquire. Under his stewardship the magazine won National Magazine Awards across a number of writing and design categories. He currently lives in Chicago.

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Product details

Paperback: 288 pages

Publisher: Free Press; Reprint edition (December 26, 2006)

Language: English

ISBN-10: 9780743270328

ISBN-13: 978-0743270328

ASIN: 0743270320

Product Dimensions:

5.5 x 0.7 x 8.4 inches

Shipping Weight: 9.6 ounces (View shipping rates and policies)

Average Customer Review:

3.5 out of 5 stars

133 customer reviews

Amazon Best Sellers Rank:

#460,505 in Books (See Top 100 in Books)

Most retirement books focus on the amount of money that one will need to retire, taking into account personal circumstances. And they pretty much all attempt to crack the whip, noting that most Americans need to save more -- usually far more -- than they currently are. This book does all of this admirably well. However, this work also attempts to get the reader thinking about why they want to retire. Is it simply to be free of a workday or is there some greater meaning, some greater goal, for this time in life? What will make us happy and financially is that reasonable? It is the marriage of fulfillment and finance on which we need to focus. Most of the discussion of this aspect comes in the final fifth of this book. I wish that it would have been more dominant, but that the topic was raised at all sets this book apart from most.While not perfect, I would recommend this book over most like it. It at least prods the reader to ask the right questions.

I usually don't provide negative reviews, but beware of this book.This book is a 200 page rant about the waste and fraud in the retirement financial planning industry. According to the author, the industry is set up to take advantage of boomers who are too dumb to know what to do when they retire.Yet, the book provides no useful retirement information itself. On the the last page of 200+, he finally gets around to telling you that there is no Number anyway. It's a illusion, for all you suckers who bought this book. Too late now, no returns are available.If, in the author's opinion, you're a real stooge, you can actually calculate your retirement number. Take your expected retirement income and take 4%. Live on that, he says. But it's more important to find your meaning in life. Money doesn't matter.It seems rather odd that the author calls other retirement planners frauds. Talk about "the Pot Calling the Kettle Black".

As a relatively younger person about to leave the workforce I've been reading quite a bit on early retirement. This book ranks well into my top 3 - while not a financial book specifically the author is really engaging and smart about life after the accumulation stage. Enjoyed the writing style too.

Great read by somebody not in the financial industry. He is a journalist and editor, so the book is thoroughly researched. He is funny as heck, so, the book will keep you entertained as you read. While is he not a financial specialist, he really knows the business well. He helps you understand the business so that when you deal with the wall street guys and insurance guys, you will be a smarter and more informed client. It's a great wakeup call for anybody in their 30s, 40s, and 50s, who are approaching retirement and need sound guidance on what to do and how to figure out the right path. Most importantly, it's a good test for your own values, so you can figure out for yourself what is important to you and how to spend the rest of your life. So, it deals not only with money, retirement, and investing, but also with how you invest your time - or the amount of time you have left here on earth. Very well done, give it to somebody you care about or somebody who needs financial direction for retirement, saving, life insurance, etc.

The author does a good job explaining why people will not have enough money for retirement and what to do about it. However, he takes a while to get there and if you are impatient go to the end of the book for the formula. Do not expect a magic solution to get rich, but do expect to know what your 'number' will be to make you financially independent and assure that you will not run out of money after you retire.Two basic questions go unexplained.1. The basis for calculating the number is using a 60/40 investment mix of stocks to bonds. However he does not explain what the assumption is for the historial return for that investment mix.2. In the back of the book a component of the formula to calculate your 'number' is to include the equity in your home by dividing the number of years you expect to live after retirement into your equity and using the number as a component for the amount of money you can spend each year after you retire. No where does he explain the rationalization for using your equity as part of the calculation of the 'number' and why the equity is included in the first place. You are left to guess on your own.For me the book yielded no new news, but that is good as I used it as a sanity check for my own retirement planning and confirmed that I am on the right track.Basically the book says if you want to live on a $100K a year (todays dollars), subtract your annual pension, and SS income from $100k. What is left is amount of income you need from your 'number'. Assume you are getting $50K a year from your pension and SS. You therefore need $50K income from your 'number'. Your pension income, SS income and income from your 'number' now add up to $100k. To make your savings last a life time (25-30years)with a confidence factor of 90% or greater you should only take out 4% (another magic number well known in financial planning circles) a year, not including inflation, from your 'number', i.e. nest egg. That means your number or nest egg needs to be $1.25 million from your 401K or other savings. 4% of $1.25million is $50K. Now that is scary stuff. Now you see why so many people will not have enough money for retirement.What! You have no pension or your pension is now frozen. You will need to grow a bigger 'number' by working longer or winning the lottery or inheritance or robbing a bank or all of the above. The alternative is to learn how to retire on less income.The value of the book is showing how much money you need to have for retirement for the lifestyle you want. It is not a how-to investment book. I feel most of the reviews are missing the point of the book.

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