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The New Retirement

       The Ultimate Guide to The Rest of Your Life

       Third Edition

       Jan Cullinane

Copyright © 2022 by Jan Cullinane. All rights reserved.

      Published by John Wiley & Sons, Inc., Hoboken, New Jersey.

      Published simultaneously in Canada.

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       Library of Congress Cataloging-in-Publication Data

      Names: Cullinane, Jan, author.

      Title: The new retirement : the ultimate guide to the rest of your life / Jan Cullinane.

      Description: Third edition. | Hoboken, New Jersey : Wiley, [2022] | Includes index.

      Identifiers: LCCN 2022010301 (print) | LCCN 2022010302 (ebook) | ISBN 9781119838159 (paperback) | ISBN 9781119838173 (adobe pdf) | ISBN 9781119838166 (epub)

      Subjects: LCSH: Retirement—United States—Planning.

      Classification: LCC HQ1063.2.U6 C85 2022 (print) | LCC HQ1063.2.U6 (ebook) | DDC 646.7/9—dc23/eng/20220314

      LC record available at https://lccn.loc.gov/2022010301

      LC ebook record available at https://lccn.loc.gov/2022010302

      Cover Design: Wiley

      Cover Image: © Westend61/Getty Images

To Roger, my sounding board, cheerleader, and supporter extraordinaire.

Foreword

       by Kerry Hannon

      – Best-selling author of Great Pajama Jobs, Never Too Old to Get Rich, and Great Jobs for Everyone 50+, career/retirement strategist

      Demographic transformation and population aging are occurring at a blistering pace around the world. Increasingly, our lifespans are topping 100 years, and this will become increasingly commonplace in the years to come.

      That's the backdrop for my curmudgeonly views on retirement. I am not a fan. At least not in the way it has been approached in the past.

      I guess you'd have to say I'm the anti-retirement expert. I routinely remark: Let's retire the word retire.

      I say this for myriad compelling reasons. In large measure, it's spurred by deep-seated financial concerns. A striking number of Americans have little saved for retirement and do not have access to an employer retirement plan to help them sock away