| Tired of the daily grind, working for the Man? Looking for an alternative to a lifetime of stress and overwork? Work Less, Live More: The Way to Semi-Retirement is your roadmap to the exit. Written by early semi-retiree Bob Clyatt, the book gives encouragement and step-by-step knowledge for securely moving beyond full-time work, whatever your age. The book shows readers how to achieve this winning combination of work and life through: - Sensible spending and saving - A rational investing method based on Nobel Prize-winning research which has weathered the 2008 downturn while keeping retirees in good financial condition and preserving the value of savings. - A safe, lifelong withdrawal method for living off your savings - Resources and guidance for living outside the culture of consumption and overwork Plus: Learn how to create the perfect part-time work opportunities to fulfill personal and financial goals. If you are ready to start making plans for a more fulfilling life, or are already semi-retired, you'll find valuable advice here based on the experience of hundreds who have already made the leap. For those ready to roll up their sleeves and really begin planning in earnest, the new Work Less Live More Workbook: Get Ready For Semi-Retirement will give you the spreadsheets and tools to customize plans to your own unique situation. Plus you'll get plenty of worksheets and exercises to help you figure out what you'll do to fill all the years you've freed up once you leave full-time career work. Bob's entrepreneurial years allowed him to became financially independent in 2001 at age 42 and he has been living as a semi-retiree ever since. Since retiring, he has realized his lifelong dream to write and create art. He lives with his wife and two sons in Westchester County, New York. |
JoAnn Cancro Photography
| A book in the web age should be the beginning of a conversation. Feel free to contact Bob with any questions you have about early or semi-retirement |
See Bob's Sculpture website --
something he never knew he
could do until he early retired!
something he never knew he
could do until he early retired!
| FINANCIAL UPDATES FOR THE WORK LESS, LIVE MORE PORTFOLIO: Sandwich Portfolio (8 funds + Money Market) 2007 7.58% 2008 -20.34% 2009 23.10% 2010 13.36% 2011 0.72% This is the simple version of the Rational Investing Portfolio used throughout the Work Less Live More long term retiree planning in the books. It consists of the following 8 low-fee and readily available funds plus a Money mkt fund: 20% VFINX S&P500 8% VTMSX Tax Managed Small 6% VGTSX Total International Equity 10% VINEX International Explorer (small) 6% VEIEX Emerging Markets 30% VBIIX Intermediate Bond Index 11% BEGBX International Bond 5% VGSIX REIT Index 4% Money Market Fund These allocations have not changed since the book was published, though for the full Rational Investment Portfolio which the author continues to follow personally, he is making tweaks within the asset classes to choose investments with somewhat shorter duration/maturity and better credit quality, including a bias toward debt in the currencies of countries that run balanced budgets or surplusses vs. those that run large deficits. Click here for a discussion of this portfolio and its performance on the early-retirement.org forums, including some estimates of portfolio performance for the full Rational Investment Portfolio during recent years. |
Work Less, Live More: by Bob Clyatt
Your Semi-Retirement Resource Center
Your Semi-Retirement Resource Center
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| Order instant download e-version or hard copy direct from Nolo Press |
| Press and reader Inquiries: please email directly to the author |
DON'T FORGET... If you are especially keen to dig into the numbers behind your early or semi-retirement, you will benefit from the Companion Workbook to Work Less Live More, subtitled Get Ready for Semi-Retirement. Both are available from Amazon via the links on the left, or from your local bookseller. The workbook contains a CD ROM with spreadsheets for customized planning of all facets of your semi-retirement finances, as well as numerous exercises and worksheets for planning a fulfilling 2nd half of life. |
