Overview

Most retirement books start with a vision. A porch. A plan. A sense that if you do the right things in the right order, everything will settle neatly into place. This book starts somewhere else. Retire on Your Terms is for people who are already close enough to retirement to know that the tidy version doesn't quite match reality. The numbers are real now. The systems are real. The decisions don't wait until you feel ready. And the advice, confident as it sounds, often contradicts itself. This is not a motivational book. It won't tell you that everything will be fine. It won't give you a single roadmap to follow. Instead, it walks through what retirement in America actually feels like after 60-the tradeoffs, the friction, the administrative fatigue, and the quiet recalibrations that don't fit into checklists. Inside, you'll find: An honest look at what you really have, not the ""probably fine"" version How Social Security, Medicare, taxes, and withdrawals collide in practice, not theory Why financial advice sounds certain until it meets your life The reality of healthcare costs, paperwork, and waiting on hold The risks people don't like to talk about, and how they stack together Why retirement planning never fully resolves, and why that's normal Written in a calm, observational voice, this book acknowledges uncertainty instead of trying to eliminate it. It leaves room for contradiction. It allows decisions to remain unfinished. It treats confusion, hesitation, and second-guessing as part of the process, not personal failures. Retire on Your Terms doesn't promise control. It offers clarity without false reassurance. And it respects the fact that you're the one who has to live with the decisions. This is an American guide to retirement for people who want realism, not slogans, and who understand that confidence doesn't come from having all the answers, but from knowing how to move forward anyway.

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