Pensions and retirement saving plans have helped millions of households build financial security. But tens of millions of people have been left behind, without access to these wealth accumulation vehicles. For many others, the plans they have do not ensure financial security in retirement. The problems that underlie these failures can be addressed. This book proposes concrete, practical ways to make dependable retirement income accessible for all Americans—not just those with means. Individual accounts have eclipsed traditional pensions as the primary vehicle for retirement saving in the United States—a shift that underlies many sources of retirement insecurity. The 401(k) plan and similar accounts have increased financial security for many people but have done nothing for millions more. Many of those who do have such plans are burdened with the need to make numerous saving, investment, and withdrawal decisions that stress their financial acumen. Financial advice that is unbiased, unconflicted, and affordable is often difficult to find. Managing wealth in retirement—especially the need to convert retirement savings into steady income—poses significant challenges that current financial instruments and practices do not adequately address. Economic downturns like the Great Recession and the COVID-19 pandemic increase financial insecurity and make addressing these issues more urgent. Written by noted experts in the field, Wealth After Work offers practical solutions that address these concerns. The proposals show how policymakers can help all Americans gain access to retirement savings accounts, obtain better information about their savings choices, and better manage their wealth in retirement. By proposing solutions that build on, rather than replace the existing system, the book provides a nuanced, practical guide to reform that would benefit all Americans.

Before the 99% occupied Wall Street... Before the concept of social justice had impinged on the social conscience... Before the social safety net had even been conceived... By the turn of the 20th Century, the era of the robber barons, Andrew Carnegie (1835-1919) had already accumulated a staggeringly large fortune; he was one of the wealthiest people on the globe. He guaranteed his position as one of the wealthiest men ever when he sold his steel business to create the United States Steel Corporation. Following that sale, he spent his last 18 years, he gave away nearly 90% of his fortune to charities, foundations, and universities. His charitable efforts actually started far earlier. At the age of 33, he wrote a memo to himself, noting ..".The amassing of wealth is one of the worse species of idolatry. No idol more debasing than the worship of money." In 1881, he gave a library to his hometown of Dunfermline, Scotland. In 1889, he spelled out his belief that the rich should use their wealth to help enrich society, in an article called "The Gospel of Wealth" this book. Carnegie writes that the best way of dealing with wealth inequality is for the wealthy to redistribute their surplus means in a responsible and thoughtful manner, arguing that surplus wealth produces the greatest net benefit to society when it is administered carefully by the wealthy. He also argues against extravagance, irresponsible spending, or self-indulgence, instead promoting the administration of capital during one's lifetime toward the cause of reducing the stratification between the rich and poor. Though written more than a century ago, Carnegie's words still ring true today, urging a better, more equitable world through greater social consciousness.

"A startling new philosophy and practical guide to getting the most out of your money-and out of life-for those who value memorable experiences as much as their earnings"--

Also in the 6th revised and improved edition, published by a government-funded publisher involved in EU programs and a partner of the Federal Ministry of Education, you receive the concentrated expertise of renowned experts (overview in the book preview), as well as tailored premium content and access to travel deals with discounts of up to 75%. At the same time, you do good and support sustainable projects. Because many people dream of their own company, self-realization beyond permanent employment. The idea of earning money on the side, so to speak, without having to do much for it and being your own boss, has undeniably a strong appeal. But unfortunately, having your own StartUp is also associated with many imponderables, costs and risks, especially when rooms have to be rented, staff hired and machines purchased. And so the idea of building up one's StartUp after work, alongside one's bread and butter job, until it becomes self-sustaining, is particularly exciting. This book explains what is important in the process. With its "Info on Demand" concept, the publisher not only participated in an EU-funded program but was also awarded the Global Business Award as Publisher of the Year. Therefore, by purchasing this book, you are also doing good: The publisher is financially and personally involved in socially relevant projects such as tree planting campaigns, the establishment of scholarships, sustainable living arrangements, and many other innovative ideas. The goal of providing you with the best possible content on topics such as career, finance, management, recruiting, or psychology goes far beyond the static nature of traditional books: The interactive book not only imparts expert knowledge but also allows you to ask individual questions and receive personal advice. In doing so, expertise and technical innovation go hand in hand, as we take the responsibility of delivering well-researched and reliable content, as well as the trust you place in us, very seriously. Therefore, all texts are written by experts in their field. Only for better accessibility of information do we rely on AI-supported data analysis, which assists you in your search for knowledge. You also gain extensive premium services: Each book includes detailed explanations and examples, making it easier for you to successfully use the consultation services, freeky available only to book buyers. Additionally, you can download e-courses, work with workbooks, or engage with an active community. This way, you gain valuable resources that enhance your knowledge, stimulate creativity, and make your personal and professional goals achievable and successes tangible. That's why, as part of the reader community, you have the unique opportunity to make your journey to personal success even more unforgettable with travel deals of up to 75% off. Because we know that true success is not just a matter of the mind, but is primarily the result of personal impressions and experiences. Publisher and editor Simone Janson is also a bestselling author and one of the 10 most important German bloggers according to the Blogger Relevance Index. Additionally, she has been a columnist and author for renowned media such as WELT, Wirtschaftswoche, and ZEIT - you can learn more about her on Wikipedia.

A fully revised edition of one of the most influential books ever written on personal finance with more than a million copies sold “The best book on money. Period.” –Grant Sabatier, founder of “Millennial Money,” on CNBC Make It "This is a wonderful book. It can really change your life." -Oprah For more than twenty-five years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by "the Frugal Guru" (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money. Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to: • Get out of debt and develop savings • Save money through mindfulness and good habits, rather than strict budgeting • Declutter your life and live well for less • Invest your savings and begin creating wealth • Save the planet while saving money • …and so much more! "The seminal guide to the new morality of personal money management." -Los Angeles Times

Enjoy having 10 powerful disciplines and practical applications you can easily use to break free of an unfulfilling retirement and step forward into a new, remarkably fulfilling season--regardless of how you've defined "work." Afterwork is a healthy and hopeful approach to retirement--and it may be different than conventional wisdom. Our society declares that a self-focused, uber-comfortable, and vacation-minded retirement is what we want. That retirement is mostly a financial problem to be solved. What could possibly go wrong with double the free time and less structure in your life? But, this is where we go wrong. The retirement lie says that a successful retirement is an endless vacation based on financial security, but this way of thinking is a down payment toward purposelessness and disappointment. Afterwork: Exposes the retirement lieExplores 10 key disciplines to avoid a destiny of disillusionmentOpens you to a life of purpose and meaningThe afterwork mindset and its disciplines are applicable to anyone. Perhaps you're leaving a traditional career. Your children are grown and gone. Maybe you've sold your business. Harder still, you may be navigating the unfathomable passing of a loved one. Preparing for and living well through these tectonic shifts requires serious reflection, intentional thinking and healthy mindsets. That's afterwork, and its quest for you is to thrive in the most impactful, purposeful season of your life, whether you're 45 or 75. How Does Afterwork Help? Afterwork is an honest discussion about the "retirement lie" and a guide to living a future worthy of God's plan for you. Afterwork will help you: Sidestep the loaded word "retire" in favor of a purposeful new seasonRealize you're not a "has been"--you are the strongest, most impactful version of you yetCope with the reality vs. the daydream of the afterwork life and start thrivingAvoid the traps of the retirement "sugar rush" and "retirement drift"Shift your focus from money and "happiness" to meaning and impactAnd more!You're more than the pile of money and assets in your retirement account--you're a living, breathing person and one with a lot of life yet to live! If you want to experience your post-career season in the most purposeful and impactful way possible, this is the book for you. Who will you be afterwork? The 10 Key Disciplines of Afterwork Each of Afterwork's key disciplines will help you take back control of what you can in simple, easy-to-understand ways.PurposeCalendarMovementJournalingFaithConnectionLearningAwarenessGenerosityAwe4 Key Features of AfterworkPractical Enjoy having practical, actionable advice you can start following now to launch yourself into the most meaningful season of your life yet!Relevant: Written by highly successful wealth management and financial planning experts Joel Malick and Alex Lippert, you'll gain decades of knowledge from their real experiences with clients.Easy to Read With outlines and simple summaries, you can grasp key concepts about retirement at a glance! Whether you're avoiding the retirement sugar rush or learning how to manage your suddenly empty daily schedule, enjoy clearly written rundowns to help you glean ideas quickly.Easy to Understand Enjoy having a simple yet deep read into the keys for retirement success. Retirement shouldn't be only for financial experts of psychology majors.

Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.