Smoke and Mirrors

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Challenging conventional retirement wisdom, this book exposes common myths about financial planning, such as the necessity of a million-dollar nest egg and reliance on financial advisors. It provides practical tools, including six free spreadsheets, to help readers assess their financial situation accurately. Key features include a "Retirement Optimizer" for year-by-year income calculations and a "Personal Rate of Return Calculator" to evaluate investment performance. Readers will gain insights into their savings adequacy and make informed retirement decisions.