The conventional approach used by experts to determine how much money you need to retire is fundamentally flawed. The worst part is you won’t even know it until it’s too late.This book takes you behind the scientific facade of modern retirement planning to reveal:• Why most estimates for how much you need to retire are a case of garbage-in garbage-out causing you to either overspend and run out of money or underspend so that you never get to enjoy your savings.• The 5 critical assumptions that can destroy your financial security. Which one are you making?• 3 models for estimating how much money you need to retire (your financial planner only knows 1 and it’s not the best).• How to reduce the amount you need to retire by $300,000–$600,000 or more.• How to plan for inflation, changes in Social Security, and much more so you don’t run out of money before you run out of life.• 7 creative ways to spend less while also improving lifestyle.• 3 strategies to maximize spending today while protecting for the future in case you live longer than expected.• How Monte Carlo calculators cause a dangerous deception that can leave you broke.• Explains step-by-step how to accurately calculate the amount of money you need to retire—the very first time you try, simply, and without being a math genius.• No computer, software, or online calculators necessary—it’s that simple.In one evening you can know more about how much money you need to retire than your financial adviser. This book is a practical, no-nonsense guide complete with a step-by-step plan that tells you how much money you need to retire with confidence.No retirement is secure without it.

    Every chapter of this couple’s devotional is a powerful reminder of how small changes in awareness and actions can be the tipping point in any relationship.”—Dave Nelson, Lead Pastor, Great Lakes Church, Kenosha, WIStrong marriages don’t just happen. They require commitment, time, and faith—which can often be difficult to achieve amid the hustle and bustle of our daily lives. But this kind of dedication is essential, not just to getting married, but to staying married.After five years of marriage, Michelle Peterson discovered that many of the couples she knew were separating or getting divorced, and found herself asking a question that would become the foundation of her life’s work: What does it take to stay married? From this question Michelle developed the popular blog and podcast, #staymarried, which has helped hundreds of thousands of couples improve their marriages.#staymarried: A Couple’s Devotional combines everything Michelle has learned in one welcoming and applicable couple’s devotional. In #staymarried: A Couple’s Devotional, scripture-based devotions help you and your spouse work together to strengthen your relationship—to each other and God.In this couple’s devotional, you’ll find: Devotions that require only 30 minutes per week and address everything from finances and arguments to trust and intimacy. Wisdom from the Bible incorporated with up-to-date research from research-based sources such as The Gottman Institute. Inclusive, open-minded guidance that applies to a diverse range of couples. With #staymarried: A Couple’s Devotional, you and your spouse will learn to connect meaningfully and communicate honestly while renewing your shared commitment to your marriage and faith.

    "Black Swan is a symbol for healing, a spirit guide for overcoming the woundedness of adandonment."Twelve lessons for healing from the loss of love, presented in an allegorical tale of a child who meets a magical black swan after she is abandoned in the forest by her father. This story within a story includes the author's own experience with loss. The book provides emotional and spiritual healing to those going through heartbreak, loss, and abandonment.

    But what if you could escape the traditional path and get on one that doesn't require working full-time until age 65? What if you could wake up every day without an alarm clock and do the things you love most? Tanja Hester and her husband Mark left their crazed careerist lifestyle to live their dream life in Lake Tahoe, retiring early from high-stress careers. Now Tanja will help you map out a customized plan for freedom and make it easy to succeed, whether you're good at math and budgeting -- or not! Work Optional is more than just a financial plan: it's a plan for your whole life -- designed by you, not by an employer or clients. Tanja walks you through envisioning your dream life, accounting for variables such as health care and children, protecting yourself from recessions and future unknowns, and achieving a purpose-filled early retirement, semi-retirement, or career intermission with completely doable, non-penny-pinching steps. You can live a happier, more meaningful life, free from the daily grind. Regardless of where you are in your career, Work Optional will get you there.

    That program is mindfulness-based cognitive therapy (MBCT), and it has been tested and proven effective in clinical trials throughout the world. Now you can get the benefits of MBCT any time, any place, by working through this carefully constructed book. The expert authors introduce specific mindfulness practices to try each week, plus reflection questions, tools for keeping track of progress, and helpful comments from others going through the program. Like a trusted map, this book guides you step by step along the path of change. Guided meditations are provided on the accompanying MP3 CD and are also available as audio downloads. Note: The MP3 CD can be played on CD players (only those marked "MP3-enabled") as well as on most computers. See also the authors' The Mindful Way through Depression, which demonstrates these proven strategies with in-depth stories and examples. Plus, mental health professionals, see also the authors' bestselling therapy guide: Mindfulness-Based Cognitive Therapy for Depression, Second Edition. Winner (Second Place)--American Journal of Nursing Book of the Year Award, Consumer Health Category

    At the time of its publication in 1978, Possum Living became an instant classic, known for its plucky narration and no-nonsense practical advice on how to quit the rat race and live frugally. In her delightful, straightforward, and irreverent style, Freed guides readers on how to buy and maintain a home, dress well, cope with the law, stay healthy, save money, and be lazy, proud, miserly, and honest, all while enjoying leisure and keeping up a middle-class façade.Thirty years later, Freed's philosophy is world-renowned and Possum Living remains as fascinating, inspirational, and pertinent as it was upon its original publication. This updated edition includes new reflections, insights, and life lessons from an older and wiser Dolly Freed, whose knowledge of how to live like a possum has given her financial security and the confidence to try new ventures.

    50 Success Classics is the first and only ‘bite-sized’ guide to the most important and inspiring works that have already demonstrated their power to change lives.

    But we can never know for certain, because what really goes on inside another’s head and heart is essentially a secret. How do you know if that secret is something that will hurt you? Your husband turns to face you in bed. Is he thinking about you or your closest friend? Your boss shows up in another new outfit. Did she get a raise or is she a compulsive shopper who is stealing money from the company? Your teenaged daughter is upstairs in her bedroom. Is she doing her homework or chatting online with a man twice her age? Anatomy of A Secret Life will take you inside the minds of secret-keepers and show you how secrets start, how they’re kept, and how they exact their devastating emotional and social toll. Using contemporary case studies and historical examples, Dr. Gail Saltz shows you how to spot—through subtle behaviors and clues—and safely stop the potentially dangerous secrets that someone, even you, might be concealing from the world.

    And then there are the expectations: from calligraphy invitations to satin chair-covers, all those things that Must Be Done or everyone will be Horribly Offended. Or will they?A Practical Wedding helps you create the wedding you want—without going broke or crazy in the process. After all, what really matters on your wedding day, what you’ll remember ‘til you’re old and gray, is not so much how it looked as how it felt. In this refreshing guide, expert Meg Keene shares her secrets to planning a beautiful celebration that reflects your taste and your relationship. You’ll discover:The real purpose of engagement (hint: it’s not just about the planning) How to pinpoint what matters most to you and your partner DIY-ing your wedding: brilliant or crazy? Affording a wedding without having to cut your guest list How to communicate decisions with your family Why that color-coded spreadsheet is actually worth it Wedding Zen can be yours. Meg walks you through everything from choosing a venue to writing vows, complete with stories and advice from women who have been in the trenches, the Team Practical brides. So here’s to the joyful wedding, the sensible wedding, the unbelievably fun wedding! A Practical Wedding is your complete guide to getting married with grace.

    After winning the highest award in his field, Vincent was offered a 3 percent raise. He knew at that moment he needed a monumental change. One month away from their baby being born, Vincent and Elizabeth started a side photography business out of desperation. In less than four years, they grew their business to pay off all of their debt, including their home, and left their jobs for a life of freedom. With the world moving rapidly towards a freelance model, Freelance to Freedom is not only timely and necessary, but it’s also entertaining, engaging and paints a picture for anyone looking for a life of freedom with money, time and location.

    In his wonderful new book, Warren distills a lifetime of sales training into sixteen actionable tools, which, if you use them, will guarantee that you too reach your goals. -Mark Terry, President, Harman Pro Group A great read! Warren says it all in a way that's not only easy to understand, but even easier to implement. No need to ever read another book on this subject. -John Gamauf, President Consumer Replacement Tire Sales Bridgestone Firestone North American Tire, LLC Put this book on your must-read list if you want to learn successful strategies for taking your distribution team to the next level. Through motivation and education, Warren Greshes has captivated our very best top managers and producers. He pushes them to succeed and to keep their goals out in front of them, all the while maintaining a clear message, infused with his sense of humor. Warren has helped pave our way to success. -Bernadette Mitchell, Vice President Retirement Benefits Group, AXA Equitable Warren is truly an expert in the field of sales! His grassroots ideas are practical, designed for immediate implementation, and are sure to lead to top-notch results. This book is a must-read for those new to sales and those veteran salespeople who want to take their skills to the next level. -Raj Madan, corporate marketing executive, financial services industry

    The authors explain the process of making these intuitive connections, then translate their findings into understandable and practical strategies that any financial professional can use. They present actual stories, including many by Warren Buffet, one of the greatest ""storysellers"" of all time. These actual stories can help financial pros tap into the ""gut reaction"" of different types of clients. the book also includes special topics on communicating to women, the 50+ market, and the affluent.

    She had, against advice, put all her eggs in the motherhood basket, willfully derailing her successful law career. As teenagers, her precious children did not need her in the hands-on way they previously had. Her husband and she had grown apart because, among other things, they failed to nurture that important relationship. She was depressed and stuck. When she turned 50, she had the distinct feeling that she was on the downward slope of her life. Actuarially speaking, she was. So when she turned 50, her gift to herself was to go on a crusade to make the most of whatever time she had left. She set out to do 50 new things that were significant, at least to her. The list spanned physical challenges, adventure travel, and lifestyle changes. Each taught her something about herself and about how she wanted to lead the next years of her life to come. This work follows the work she did to accomplish those 50 new things and shows readers how to make their own action lists - whether it be joining a knitting club or hiking the Himalayas, every item has significance for each individual and speaks to her needs and desires. The list is the match to spark the fire that will light the years after 50. Readers will hear about Maria's adventures and the rewards of each. Accomplishing new things, learning new skills, deepening personal and spiritual relationships, and seeking out challenges will add the spice to a life that may feel repetitive, insignificant, inauthentic, or just plain boring.

    As the millions who read her Girl, Wash Your Face and Girl, Stop Apologizing, attend her RISE conferences and follow her on social media know, she also wants to see you transform. When it comes to the “hard seasons” of life—the death of a loved one, divorce, loss of a job—transformation seems impossible when grief and uncertainty dominate your days. Especially when, as Didn’t See that Coming reveals, no one asks to have their future completely rearranged for them.But, as Rachel writes, it is up to you how you come through your pain—you can come through changed for the better, having learned and grown, or stuck in place where your identity becomes rooted in what hurt you. With humor, honesty and true-life stories, in Didn’t See that Coming Rachel Hollis shares how to embrace the difficult moments in life for the learning experiences they are, and that a life well-lived is one of purpose and focused on the essentials. This is a small book about big feelings, inspirational, aspirational, and an anchor that shows that darkness can co-exist with the beautiful.

    . . but how can you decide if you should really take the leap?There’s a lot on the line, and you have to ask yourself difficult questions: Do I have what it takes? Is it worth it? And how the hell do I do it?You need answers, not bullshit. This book has them.Entrepreneurial Leap: Do You Have What it Takes to Become an Entrepreneur? is an easy-to-use guide that will help you decide, once and for all, if entrepreneurship is right for you—because success as an entrepreneur depends on far more than just a great idea and a generous helping of luck.In this three-part book, Gino Wickman, bestselling author of Traction, reveals the six essential traits that every entrepreneur needs in order to succeed, based on real-world startups that have reached incredible heights. If these traits ring true for you, you’ll get a glimpse of what your life would look like as an entrepreneur. What’s more, Wickman will help you determine what type of business best suits your unique skill set and provide a detailed roadmap, with tools, tips, and exercises, that will accelerate your path to startup success.Packed with real-life stories and practical advice, Entrepreneurial Leap is a simple how-to manual for BIG results.Should you take the leap toward entrepreneurship? Find out today and let tomorrow be the first step in your new journey, whatever shape it may take.