📘 Book Review: How to Retire with Enough Money By Teresa Ghilarducci

 Teresa Ghilarducci’s How to Retire with Enough Money is a straight-talking, no-nonsense guide designed for people who may feel like they’re behind on retirement planning. Focused on clarity, realism, and action, this book cuts through financial jargon and misleading industry advice to show everyday people how to assess what “enough” means—and how to get there.

A leading economist and retirement policy expert, Ghilarducci’s voice is practical and compassionate. She doesn’t promise miracles, but she does offer credible solutions for building security—even if you’re getting a late start.

Why This Book Matters

In a world of overly complicated investment strategies and overly optimistic retirement calculators, Ghilarducci provides a grounded alternative. Her goal isn’t to make you rich—it’s to help you feel stable, confident, and informed about your future.

This is the book you hand to someone who’s nervous about money and doesn’t know where to begin.

💡 What You’ll Discover:

• 🧮 How to calculate your personal “enough” number—based on lifestyle, not hype

• 🚫 What not to do (like chasing risky investments or relying solely on 401(k)s)

• 🧰 How to build a simple, realistic plan using Social Security, savings, and safe tools

Who This Book Is For

• People over 50 who feel “off track” with savings

• Readers overwhelmed by financial planning advice

• Anyone wanting a realistic retirement plan without guesswork or gimmicks

Why It Stands Out

Ghilarducci challenges the idea that retirement is only for the wealthy. Her writing is rooted in economic research, yet refreshingly accessible. She strips away the myths sold by Wall Street and focuses on what really works for middle- and lower-income Americans.

This book isn’t just informative—it’s empowering.

Notable Quotes

“The only number you need to know is your number. And it’s never too late to plan for it.”
“Don’t trust retirement advice that’s selling you something.”

Final Thoughts

If you’re wondering whether you can afford to retire—and how to make up for lost time—How to Retire with Enough Money is the exact kind of practical guide you need. Ghilarducci’s message is clear: you can still build a retirement with dignity and confidence—even if you’re starting later than you hoped.

👉 View How to Retire with Enough Money on Amazon

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