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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 83,232 ratings · 4,402 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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Bruce M. Firestone
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Bruce M. Firestone is a writer and avid reader based in the Pacific Northwest. Before pursuing writing full-time, they spent over a decade working in education. When not working on their next book, Bruce M. Firestone can usually be found hiking with their dog or trying out new coffee shops in their neighborhood.

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Andrew Johnson
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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. Worth every moment spent reading.
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Honestly one of the most premium reading experiences lately. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
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Absolutely brilliant. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre.
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William Green
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Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre.
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Masterpiece from start to finish. 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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Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre.
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Such a rich narrative. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece.
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Took a moment to build, but the payoff was spectacular. A brilliant concept executed with flair. Just a few pacing choices I would change. A wonderful companion for a quiet weekend.
Betty Phillips
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Honestly one of the most premium reading experiences lately. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading.
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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.
Linda Johnson
Linda Johnson September 15, 2025
I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre.
Christopher Lopez
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Masterpiece from start to finish. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading.
William Walker
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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 am now a lifelong fan of this author.
Betty Clark
Betty Clark October 04, 2025
Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. I am now a lifelong fan of this author.
Lisa Mitchell
Lisa Mitchell July 23, 2025
A highly sophisticated read. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A very distinguished novel.
Ashley Garcia
Ashley Garcia October 20, 2024
A profoundly satisfying read. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre.
Jennifer Roberts
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Such a rich narrative. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars.
Christopher Lopez
Christopher Lopez January 01, 2025
Exceeded all my expectations. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading.
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Exceeded all my expectations. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. Worth every moment spent reading.
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Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars.
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It was adequate. Certain acts were fascinating, while others felt like a slight endeavor to complete. Suitable if your reading queue is empty.
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Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An absolute must-read for connoisseurs of the genre.
Susan Hall
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Exceeded all my expectations. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author.
Stephanie Young
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An acceptable diversion. It possessed moments of brilliance, but the narrative felt slightly disjointed ultimately. Perfectly average.
Nancy Miller
Nancy Miller May 29, 2024
I thoroughly enjoyed the elegance of it. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend.
Ashley Collins
Ashley Collins March 19, 2025
Masterpiece from start to finish. The prose is exquisite. It’s accessible yet undeniably sophisticated. I will undoubtedly revisit this masterpiece.
Elizabeth Anderson
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A very strong entry. A brilliant concept executed with flair. Just a few pacing choices I would change. A wonderful companion for a quiet weekend.
Sarah Martin
Sarah Martin July 14, 2024
Excellent, though slightly flawed. The protagonist was compelling, though some subplots felt slightly overshadowed. I would highly recommend this to discerning readers.
Ryan  Davis
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Exceeded all my expectations. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem.
Nancy Smith
Nancy Smith February 08, 2025
Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading.
Andrew Johnson
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Took a moment to build, but the payoff was spectacular. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A solid 4 stars from me.
Emily Turner
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Exceeded all my expectations. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem.
Sharon Collins
Sharon Collins September 27, 2024
I was completely blown away. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author.
Donald Perez
Donald Perez October 19, 2025
I find myself somewhat conflicted. The prose was competent, yet the characters lacked the depth I usually seek. Perhaps more aligned with a different audience's tastes.
Susan Hall
Susan Hall September 13, 2025
A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem.
Joshua Phillips
Joshua Phillips March 22, 2025
A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading.
Andrew Jackson
Andrew Jackson February 20, 2025
Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem.
Margaret  Parker
Margaret Parker March 08, 2024
A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An absolute must-read for connoisseurs of the genre.
Steven Campbell
Steven Campbell October 30, 2024
Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars.
Emily Robinson
Emily Robinson March 31, 2024
Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece.
Cynthia Baker
Cynthia Baker May 16, 2024
I was completely blown away. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre.
Cynthia Martin
Cynthia Martin September 18, 2024
A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars.
Matthew Mitchell
Matthew Mitchell December 05, 2024
Masterpiece from start to finish. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece.
Jessica Smith
Jessica Smith July 02, 2025
Took a moment to build, but the payoff was spectacular. The middle had a deliberate pace, but the climax was phenomenal. A very distinguished novel.
Linda Hall
Linda Hall October 18, 2025
Exceeded all my expectations. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars.
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