How to Retire with Enough MoneyHere is a single-sit read than can change the course of your retirement. How to Retire with Enough Money cuts through the How to Retire With Enough Money confusion, misinformation, and bad policy-making that keeps us spending or saving poorly.

I begin by acknowledging what a person or household actually needs to have saved—the rule of thumb is eight to ten times your annual salary before retirement—and how much to expect from Social Security. And then I explain the basic principles that will make the money grow, including a dozen good ideas to get current expenses under control. Why to “get rid of your guy”—those for-fee (or hidden-fee) financial planners that suck up valuable assets. Why it’s always better to pay off a loan or a mortgage.

There are no gimmicks, no magical thinking—just an easy-to-follow program that works.