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The New Retirementality: Planning Your Life and Living Your Any Age You Want, 4th Edition


Praise for The New Retirementality

"The New Retirementality is at once enormously inspirational and immensely practical. It is filled with compelling stories, unforgettable phrases, and wise counsel that will help readers expand their options for fulfillment in the decades stretching out beyond midlife. With this new edition, Mitch Anthony has emerged as one of our most trusted guides for the second half of life."
—Marc Freedman, Founder/CEO, and author, The Big Shift

"Thinking about retirement? Mitch Anthony's The New Retirementality will help you holistically plan for your 'next phase' with a new attitude and perspective. Expect to re-adjust your thinking to embrace a future that focuses less on the traditional idea of retirement and more on creating the best life for you."
—Deena Katz, CFP, LHD, Associate Professor, Texas Tech University

Worried about whether or not you'll be able to retire? Join the tens of thousands of people who have already developed a "new retirementality" mindset and made retirement happen—on their own terms.

Many of us are facing a very different retirement reality than previous generations—failing pensions, an endangered social security system, and inadequate savings. We have been forced to face the fact that retirement may never happen, or that it will take place much later in life than expected. In the fourth edition of The New Retirementality: Planning Your Life and Living Your Dreams at Any Age You Want, Mitch Anthony shows you how to take command of your own future by focusing on a balanced approach known as Return on Life™: living the best life you can with the resources you have.

MITCH ANTHONY is the founder and president of, a consulting firm that works with financial services organizations to promote transparency between advisors and their clients. He is a popular speaker and host of The Daily Dose, a radio program heard on stations nationwide. A go-to source for the media, Anthony has been quoted in The Wall Street Journal, Kiplinger's Personal Finance, and The New York Times. His RetireMentors column appears regularly on CBS Anthony is the recipient of Financial Planning magazine's "Mover & Shaker" award for his pioneering work in retirement and financial life planning.

Preface xi

Acknowledgments xiii

Chapter 1 A Short History of Retirement 1

Crossing the Bridge 7

Chapter 2 Removing Artificial Finish Lines 9

Motivated by Autonomy 12

Illusions, Delusions, and Hype 15

Chapter 3 The New IRA--Individual Retirement Attitude 17

Assume You Will Work Longer 20

Assume You Will Live Longer 20

Assume That There Will Be Improvisational Challenges 22

Chapter 4 Money Is Only Part of the Equation 25

Where from Here? 27

Chapter 5 Retirement Whiplash: Be Careful of What You Wish For 37

Unexpected Segues 38

Sudden Retirement Syndrome 39

Freakonomics 40

For Better or Worse but Not for Lunch 42

The 19th Hole 42

Disability 43

Bore-dumb 44

The Oops Factor; Rearview Mirror 46

Chapter 6 The Retirement that Works 49

Reinventing Retirement--New Pathways 50

Retirement Planning that Works 52

Chapter 7 The Real Meaning of Work 59

Brain at Work 61

Invest in Who You Are 63

Working Benefits 64

Collecting a Playcheck 65

Chapter 8 Extending Your Stay by Staying on the Edge 69

Staying in Your Zone 70

Yes Sir, Kiddo 71

Ageism on the Radar 73

The Teaching Bridge 74

Advantages of Underemployment 75

EntreMature 76

Chapter 9 A New Mind-set: Retire on Purpose 81

“I’m Done” 82

“I Have To” 82

“I’m Inspired” 83

Meaningful Pursuits: A Midlife Crisis Gone Horribly Right 84

Challenge Your Body, Mind, and Spirit 87

Refuse to Be Defined by Age 88

Enduring Attitudes 91

Chapter 10 The New Meaning of Re-tired: Your Next 100,000 Miles 95

New Spin on Re-tiring 96

Chapter 11 Redefining Rich: Bridging the Gap between Means and Meaning 107

The Seven Intangibles 110

The Stewardship of Money 116

Chapter 12 Moving from ROI to ROL (Return on Life) 119

A New Measure of Success: ROL 121

The Money/Life Puzzle 123

The Core of Financial Planning--Life at the Center 124

Issues for Our Middle Years and Beyond 126

Chapter 13 The Waiting Game: Navigating Social (In)Security 129

Risky Business 133

Learn to LIVE in Retirement 134

Chapter 14 Maslow Meets Retirement 139

Our Hierarchy of Financial Needs 142

Paying the Bills 147

Chapter 15 Calculating Income for Life 149

Paying for Survival 150

The Good Old Days 150

Safety Money 153

How Much Risk? 155

Freedom Money 156

Money to Give 158

Dream Money 162

Paying for Your Life 165

Chapter 16 Don’t Go It Alone 167

I Don’t Always Know What I Don’t Know 168

We Are Tempted to Follow the Crowd 169

Individual Investors Underperform 169

Managing Money Is Time Consuming and Stressful 170

Finding a Wealth-Building Partner 171

A Personal Safety Net 174

Chapter 17 From Aging to S-aging 177

A Sense of Mastery 179

The Vitamin Cs of Successful Aging 180

Pumping Iron at 80 185

The Soul of Accelerated Aging 186

Appendix Retiring on Purpose: A conversation about making this the most meaningful stage of life yet 189

Notes 195

About the Author 201

Index 203