Money After 60 (Paperback)

Paperback. Retirement changes how money works - and nobody hands you the new rules.For most of your working life, money followed a rhythm: a paycheck came in, bills went out, and whatever was left went into savings. Retirement breaks that rhythm. The paycheck stops. For the first time, you're managing a finite pool of money that has to last for decades - and the financial industry has a habit of making that sound far more complicated than it needs to be.Money After 60 cuts through the jargon and gives you a clear, practical system for the questions that actually determine whether your retirement money holds up: How much income do you really have, once you count every source?How much can you safely spend each month without running out?How do you handle a bad market year without panicking?What do healthcare and long-term care actually cost - and how do you plan for them?How do taxes work once your income no longer comes from a single employer?How do you make the big one-time decisions - paying off the mortgage, downsizing, helping family - with confidence instead of guesswork?Written in plain English by finance writer Marcus Reyes, this book skips the product pitches and the theory in favor of a workable system: eleven short chapters, each ending in a concrete action step, that build into a complete personal money plan by the time you finish.This is not a book of investment picks or get-rich strategies. It's a calm, honest guide to the practical side of retirement money - for readers who want clarity, not complexity.Inside, you'll learn: The four sources of retirement income, and how to build a real income pictureA simple three-category system for retirement spendingHow to calculate a sustainable withdrawal rate - and why flexibility matters more than any fixed numberHow to structure your money by timeline so market drops don't threaten your near-term spendingWhat Medicare does and doesn't cover, and how to plan for the gapsHow Social Security is actually taxed, and why account withdrawal order mattersA framework for the mortgage, downsizing, and relocation decisionHow to help family financially without compromising your own securityA simple way to decide what you leave behind - and give yourself permission to enjoy the restIf you're retired, recently retired, or a few years out and want to walk in with a real plan instead of a vague hope things work out - Money After 60 is the guide to start with. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability. …