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by David Trahair (Author)
Stop risking everything to make your investment advisor rich
The stock market crash of 2008 proved one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? Enough Bull shows you how, with an easy-to-understand, simple-to-apply strategy for a better retirement.
Enough Bull overturns the conventional wisdom about retirement planning, and offers the simple secrets to securing a comfortable retirement. In an accessible and straightforward style, this practical guide explains how it's possible to save for retirement starting later in life, retire comfortably on less money, and incur less risk. Updated to apply to both the U.S. and Canada, this new second edition offers a message of hope for average, cash-strapped baby boomers by detailing a step-by-step plan for avoiding all the traps, doing the exact opposite of what the major financial institutions recommend, and still coming out further ahead.
- Invest only in safe investments that will never decline
- Get out of the stock market and mutual funds forever
- Why waiting to save for retirement may beat starting early
- Elect to receive the CPP pension at exactly the right age
- Avoid the common scams that lead to financial disaster
More than ever before, retirees are frightened and stressed out about finances. There never seems to be enough to pay current bills, let alone save thousands in RRSPs and 401Ks, yet the large financial institutions bombard us with fearful messages of destitution unless we maximize our contributions. The truth is this makes them rich, and you poor. Cut through the noise, stop taking the bait, and discover how you can have a comfortable future without sacrificing the present. Enough Bull provides the plan, you just need to act.
Front Jacket
The second edition of the national bestseller Enough Bull is revised to give you the most current information needed to plan for a safe and secure financial future. In Enough Bull, Second Edition, David Trahair shows you a proven way to get ahead financially. And you don't have to be a genius or trust a financial expert to get there. He reveals why you should forget about traditional retirement planning advice such as believing the stock market will make you wealthy; paying your investment advisor fees over 2% a year; or borrowing to invest-"leveraging" your way to riches. Instead he offers sound and risk-free financial advice for you and your family!
The truth is that the whole subject of personal finance has been made complicated because it makes money for the people that run the financial system. It is designed to be complex so that these financial types can continue to earn six-figure salaries--off the hard-earned savings of the little guy and gal. But how do you plan for retirement without risking everything? David Trahair gives you the financial savvy to:
- Put your money in 100% safe investments that will never decline
- Get out of mutual funds and the stock market, forever
- Tap into the "Tax Turbo-Charged RRSP strategy"
- Get ahead by starting your RRSP later in life--after age 50
- Calculate exactly how much CPP pension you can expect
- Dodge the scams that lead to personal financial disaster
Enough Bull is written in easy to understand terms and is simple to apply. With David Trahair as your guide, you will avoid all the money-draining traps and learn the investment lessons that will give you the financial security you need for the future.
Back Jacket
Praise for ENOUGH BULL
"Investors have two strikes against them when it comes to saving for retirement. For one, the financial services industry offers products and services designed to make them rich at your expense. Second, we're our own worst enemy when it comes to investing--our behavioral biases often lead to poor returns. David Trahair shuns the traditional advice model, suggesting that it's better to pay off the mortgage, avoid the stock market, and keep your savings absolutely safe. And you know what? He's probably right."
--Robb Engen, fee-only advisor and author of the Boomer & Echo blog
STOP RISKING EVERYTHING TO MAKE YOUR ADVISOR RICH
Tired of making your financial advisor rich? In the second edition of the national bestseller Enough Bull, David Trahair shows you why: You don't need the stock market or mutual funds. You don't need to risk your financial life going over spectacular plunges or stagnating for endless periods of time going around in circles, only to hope you won't go under in the process.
Enough Bull overturns the conventional wisdom about retirement planning and offers the simple secrets to securing a comfortable retirement. In an accessible and straightforward style, this practical guide explains how it's possible to save for retirement starting later in life, retire comfortably on less money, and incur less risk. Revised and updated, this second edition offers a message of hope for average, cash-strapped baby boomers by detailing a step-by-step plan for avoiding all the traps--doing the exact opposite of what the major financial institutions recommend, and still coming out further ahead.
Author Biography
DAVID TRAHAIR, CPA, CA, is a speaker, national bestselling author, and financial columnist for CPA Magazine. His other books include Smoke and Mirrors: Financial Myths That Will Ruin Your Retirement Dreams, Crushing Debt: Why Canadians Should Drop Everything and Pay Off Debt, and Cash Cows, Pigs and Jackpots: The Simplest Personal Finance Strategy Ever. He is known for his ability to explain the often-confusing world of personal finance in plain English. Canadians appreciate his no-nonsense style and the fact that his views are totally independent because he does not sell any financial products. He currently operates his own financial consulting firm and gives seminars on his books to accountants in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, and Nova Scotia.
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