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Retire Rich Retire Early: How To Retire At Any Age For Real (How to Get Rich, For Real Series Book 2)

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Retire Rich Retire Early: How To Retire At Any Age For Real (How to Get Rich, For Real Series Book 2)

4.85 59,184 ratings · 8,276 reviews
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Overview: Retire Rich Retire Early: How To Retire At Any Age For Real Developed nations are divided into three classes today—people, mostly government workers, with defined benefit pension plans which take all the risk out of their retirement, the top 1% who in 2012 had a 19.3% share of US national income (up from just 7.7% in 1973) and everyone else. This mini book is written for the latter—the 80% of the working population who have to fend for themselves. Financial advisors seem to be saying pretty much the same thing these days such as, “buy our mutual funds, use us to invest on your behalf in the stock market or stock market indices, buy our life insurance or term life products, cut your spending, save your money, let us invest your money for you in your 401(k) or IRA (RRSPs, TFSAs and IPPs in Canada), buy precious metals like gold through us…” This book by Bruce M Firestone, PhD, lays out an alternative retirement strategy based on owning your own home plus three income properties. As the title says, it works at any age—whether you are 25, 35, 55 or even 75 although it works better at 35 or 55 than at 75. Today, the fastest growing demographic is 100 up so if you think that you may run out of retirement funds before you run out of runway, well, you could be right. What’s interesting is the fact that people in the 25 to 30 age bracket are also getting with the program ending up with significant independent income at age 45 or 50. How much money do you have to have to retire? Firestone looks at the case of Ms Maya Yates, a 36 year old single mother with a decent job who has set a goal of retiring at age 62 with an income similar to what she is currently earning—$84,000 annually. She recently read a self help book that suggested she save 10% of her salary which she is having a tough time doing—she is responsible for three young children and gets no spousal support. She doubts this strategy will work for her anyway and she’s probably right. Ms Yates knows that GE Capital Retail Bank’s optimizer is currently offering 1.3% p.a. on their 3-year CDs (Certificates of Deposit) while Ally Bank offers 1.2%. This means that for Maya to create a retirement income of $84,000 annually for herself via CDs, she will need to save more than $6.7 million over the next 26 years. That works out to saving an impossible 3 times her annual salary, not 10%. Working with Ms Yates, Firestone’s strategy involved selling her large suburban home, buying a less expensive but more urban one and using the balance of equity freed up that way to purchase three additional residential rental properties over the next five years. Firestone takes the reader through the steps she takes to develop her mini real estate empire so she will be able to take care of herself and her family. He provides downloadable spreadsheets that show readers how to evaluate opportunities in real estate including how to properly calculate cap rates, internal rates of return and (cash-on-cash) returns on equity as well as wealth and inflationary effects. Dr Firestone talks about why you need to put a solid team together to help you get where you want to go and gives readers a few pointers on what to look for when investing in residential real estate as well as how to conduct due diligence during the conditional period preceding purchase of property. He concludes by refuting the widespread argument that investment in housing was the root cause of the financial meltdown of 2008/09. Firestone puts it this way, “Blaming high home ownership rates for the housing bubble and financial meltdown of 2008/09 is untrue and counter productive; it smacks of panic, craters resale and new home markets and destroys the dreams of the next generation hoping for a better tomorrow.

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Pages N/A
Language Eng
Published January 30, 2014
ISBN 22031432
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Bruce M. Firestone
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After spending years working in the corporate world, Bruce M. Firestone finally decided to pursue a lifelong passion for writing. They currently reside in a quiet suburb where they spend most of their time outlining new stories, reading extensively, and occasionally attempting to bake.

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Joseph Lopez
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Masterpiece from start to finish. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An absolute must-read for connoisseurs of the genre.
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Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading.
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Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
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I thoroughly enjoyed the elegance of it. A brilliant concept executed with flair. Just a few pacing choices I would change. A solid 4 stars from me.
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Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars.
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I was completely blown away. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An absolute must-read for connoisseurs of the genre.
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A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre.
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Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading.
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Absolutely brilliant. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem.
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Exceeded all my expectations. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
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Elizabeth Wright
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Such a rich narrative. I adored how the story unfolded. It kept me captivated without sacrificing elegance. A true literary gem.
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Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem.
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Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
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Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars.
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Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
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Exceeded all my expectations. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre.
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I thoroughly enjoyed the elegance of it. A brilliant concept executed with flair. Just a few pacing choices I would change. A solid 4 stars from me.
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Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. I am now a lifelong fan of this author.
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A profoundly satisfying read. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I am now a lifelong fan of this author.
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I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
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Honestly one of the most premium reading experiences lately. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem.
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I thoroughly enjoyed the elegance of it. A brilliant concept executed with flair. Just a few pacing choices I would change. I would highly recommend this to discerning readers.
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I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. A solid 4 stars from me.
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Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
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Honestly one of the most premium reading experiences lately. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
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I was completely blown away. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author.
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Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading.
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Honestly one of the most premium reading experiences lately. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars.
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I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece.
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Honestly one of the most premium reading experiences lately. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem.
Anthony Jones
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Excellent, though slightly flawed. A brilliant concept executed with flair. Just a few pacing choices I would change. A wonderful companion for a quiet weekend.
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Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. Worth every moment spent reading.
Susan Perez
Susan Perez December 03, 2025
I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece.
Daniel Rivera
Daniel Rivera January 23, 2024
I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
Michael Hernandez
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Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
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Masterpiece from start to finish. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars.
Jessica Campbell
Jessica Campbell August 02, 2025
Took a moment to build, but the payoff was spectacular. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. I would highly recommend this to discerning readers.
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Exceeded all my expectations. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars.
Kimberly Jones
Kimberly Jones July 27, 2025
A highly sophisticated read. The protagonist was compelling, though some subplots felt slightly overshadowed. I would highly recommend this to discerning readers.
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Honestly one of the most premium reading experiences lately. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An effortless 5 stars.
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Excellent, though slightly flawed. The middle had a deliberate pace, but the climax was phenomenal. A very distinguished novel.
Michael Hernandez
Michael Hernandez December 19, 2024
Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An absolute must-read for connoisseurs of the genre.
Mary Johnson
Mary Johnson March 23, 2024
I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. Quite impressive overall.
Dorothy Robinson
Dorothy Robinson September 21, 2024
Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece.
Paul Collins
Paul Collins June 19, 2024
I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. A solid 4 stars from me.
Nicholas White
Nicholas White January 24, 2024
Exceeded all my expectations. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece.
Donna Lewis
Donna Lewis October 04, 2024
I was completely blown away. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars.
Eric Young
Eric Young March 13, 2025
I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. A true literary gem.
Anthony Thomas
Anthony Thomas November 14, 2025
Masterpiece from start to finish. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I am now a lifelong fan of this author.
Ryan Moore
Ryan Moore August 25, 2024
A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre.
Michael Wright
Michael Wright April 26, 2024
Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An absolute must-read for connoisseurs of the genre.
Ryan Thomas
Ryan Thomas June 08, 2025
Honestly one of the most premium reading experiences lately. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I am now a lifelong fan of this author.
Sarah Young
Sarah Young May 13, 2024
A very strong entry. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A very distinguished novel.
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