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Birken E: The 5 Years Before You Retire,
3rd Edition

The 5 Years Before You Retire, 3rd Edition

Retirement Planning When You Need It the Most

From bestselling authors Senator Elizabeth Warren and Amelia Warren Tyagi, an essential guide to surviving and thriving in a rigged economy If you've ever worried about money-how much you have, need, or want-the problem isn't you. It's an economy that has shifted under your feet. A generation ago, the rules were simple: work hard, buy a home, save a little each month, and build a secure, stress-free middle-class life. But over the last few decades, the rich and powerful have transformed our economy-with a government that too often works for them instead of everyone else. And so housing, college, and health-care costs have all exploded. Jobs are less predictable. And retirement feels further away than ever. But you are not powerless. Drawing on decades of research, public service, and real-world experience, Senator Elizabeth Warren and Amelia Warren Tyagi offer an easy-to-understand guide to how the system really works, so you can take control of your money and build financial stability in the world as it is. In The New Middle Class, you will learn how to: - Build a safety net to protect yourself in a precarious economy. - Grow your paycheck-and stay ahead in a shifting world of work. - Be more strategic on housing in a world where starter homes are disappearing. - Navigate the crush of credit card and student loan debt. - Avoid dangerous scams and rip-offs that can cost big money. - And plan for whatever comes next, whether that's college, childcare, homeownership, or retirement. There is no one more knowledgeable or better able to lead Americans through these tumultuous economic times than Senator Warren and Amelia Warren Tyagi. Yes, the economy has changed, and the new middle-class life won't look like the old one. But with these tools and strategies, you can build your own sustainable American dream.

Building the Life You Want, Even in a Rigged Economy

The New Middle Class

Focus on Personal Finance: 2027 Release

Facing foreclosure? Put together a plan and take action. Don't wait to take action if you're behind in mortgage payments and facing a potential foreclosure. Foreclosure filings are rising again nationwide, and The Foreclosure Survival Guide covers your options for avoiding the loss of your home or at least delaying it. The strategies and useful information in this book will give you the tools you need to develop a plan to try to keep your home or decide if it makes sense to move on. This guide can help you learn how to navigate foreclosure and potentially stay in your home. It gives you the practical information you need, including: <ul> <li>the ins and outs of foreclosure</li> <li>how to decide whether you should try to keep your house</li> <li>what programs are available to potentially save your home, and how to apply for them</li> <li>how to bring your loan current in Chapter 13 bankruptcy</li> <li>if you can't stay in your home, how to avoid unnecessary costs by filing for Chapter 7 bankruptcy</li> <li>what alternatives for giving up the property, like a short sale or deed in lieu of foreclosure, are available, and</li> <li>how to avoid becoming the victim of a foreclosure rescue scam.</li> </ul> This book's powerful yet practical advice also explains the 120-day foreclosure waiting period before foreclosure starts, how the foreclosure process works in each state, potential tax consequences, and more. This edition is updated with the latest information on mortgage-assistance programs for homeowners, federal mortgage servicing laws, HOA foreclosures, property tax foreclosures, and recent court decisions affecting homeowners' rights. Foreclosure can be an intimidating and scary experience. The stress of potentially losing the family home can drive people to make mistakes, either by doing the wrong thing or failing to act at all. You need to know your options if you're having trouble making your mortgage payments or are already in danger of foreclosure. Your actions are vitally important if you want to keep your home or at least get through the process with as little anxiety as possible. This book has essential tips on what to do--and what not to do--if you're facing a foreclosure.

The Foreclosure Survival Guide

This Palgrave Pivot develops an interdisciplinary approach to household financial decision-making by integrating behavioral finance, consumer finance, financial planning, and human-centered artificial intelligence. Moving beyond investor- and market-focused traditions, it situates financial risk tolerance, financial stress, and dynamic behavioral signals within the lived contexts of households, advisors, and institutions. The book reconceptualizes risk tolerance as a time-varying behavioral construct, positions financial stress as a core mechanism shaping decision-making and well-being, and introduces a framework of behavioral signals, including consumer complaints, sentiment, and market mood, that may precede price movements.It further examines how machine learning and AI can interpret these signals while reshaping financial advice, alongside their methodological limits and ethical implications for accountability and client autonomy. By linking psychological states, behavioral data, and advisory practice, the book offers a structured research agenda for behavioral personal finance and contributes to debates on financial well-being, vulnerability, and technology-mediated decision-making. It will be of interest to scholars and advanced students in behavioral finance, financial planning, consumer science, and decision psychology, as well as practitioners and policymakers concerned with AI and household financial behavior.Wookjae Heo
 is Associate Professor of Consumer Science at Purdue University. His research focuses on financial risk tolerance, financial stress, consumer financial behavior, and the application of machine learning and natural language processing in personal finance. He has published widely in leading journals in consumer finance and financial planning and is known for advancing behavioral personal finance as an interdisciplinary field linking household decision-making, well-being, and human-centered AI.

Risk Tolerance, Financial Stress, and Human-Centered AI

Behavioral Personal Finance

Your complete guide to Social Security retirement, Medicare or Medicaid benefits, and other federal benefitsIf you want to get the highest possible retirement or pension income-not to mention the best medical coverage-turn to Social Security, Medicare &amp; Government Pensions to discover the benefits you're entitled to and how to claim them as easily as possible.Navigate the complex and often daunting Social Security and Medicare systems using the resources and information in this complete guide. Learn about Medicare coverage, including Part D prescription drug coverage, and understand how Medicare Advantage and Medigap insurance plans work and which makes the most sense for you. Also learn how to claim disability benefits, veterans benefits, and federal retirement benefits.Bonus: If you're denied any medical treatment or benefits, this book teaches you how to file an appeal with Medicare, Social Security, or your state's Medicaid agency.This new edition has the latest benefit numbers for Social Security, Medicare, SSI, and veterans benefits and includes recent changes to Medicare and Medicaid coverage.

Get the Most Out of Your Retirement and Medical Benefits

Social Security, Medicare & Government Pensions

Why do so many young adults struggle financially despite doing everything they're told? Why does working toward financial freedom feel like an impossible game?The problem isn't simply a lack of financial literacy. Too many people are never taught how the real world of money works, leaving them to navigate a system they don't fully understand.In Into the Moneyverse, Lionel Lee breaks down the hidden systems shaping our financial lives and exposes the mechanics of money, wealth-building, and financial power. Forget boring jargon and impossible advice. This is personal finance explained the way it should have been from the start: clear, practical, and actually engaging to read.Blending storytelling with real economics, behavioral psychology, and street-level financial realities, Lee explores how money really moves--and why so many people feel stuck even when they're working harder than ever. Complex financial concepts become practical lessons readers can use to better understand their money, build long-term financial security, and work toward greater independence in today's changing economy.Into the Moneyverse is a reality check, blueprint, and map for anyone who has ever felt that the money game was rigged--and wants to understand the system well enough to navigate it with their eyes open.

The Real World of Money and Why Financial Literacy Alone Won't Save You

Into the Moneyverse

Get out of debt and regain your financial freedom. If you're overwhelmed by debt, facing collection calls, a wage garnishment, foreclosure, car repossession, or a lawsuit, Solve Your Money Troubles is for you. This comprehensive guide will help you deal with your financial problems. It provides the information you need to manage your debt, deal with financial emergencies, and formulate good practices for handling your money in the future. Solve Your Money Troubles provides the practical information you need to take financial control of your life. Learn how to: <ul> <li>prioritize debts and create a budget</li> <li>stop harassment by debt collectors</li> <li>negotiate with creditors</li> <li>deal with wage garnishment, car repossession, and foreclosure</li> <li>reduce or manage federal student loan payments under the new rules</li> <li>know what to expect if a creditor sues</li> <li>decide if bankruptcy is the right option for you, and</li> <li>rebuild your credit.</li> </ul> This new edition of Solve Your Money Troubles is updated with the latest legal developments affecting debt, credit, student loans, and bankruptcy, including changes made by the One Big Beautiful Bill Act and recent court decisions on income-driven repayment plans for student loans. You'll also find sample forms you can use when negotiating with creditors, worksheets to help you create a plan to repay your debts, and other practical forms to help you get out of debt and make a fresh start. If you're in over your head with debts, don't let the problem continue to grow. Planning and carrying out a financial plan can be daunting, but it's necessary to your economic well-being. This book provides step-by-step guidance that will help you come up with a game plan to control your spending, deal with your debts, and take action to reduce the amounts you owe. If you have excessive liabilities, Solve Your Money Troubles can help you sort out your financial problems quickly and effectively.

Strategies to Get Out of Debt and Stay That Way

Solve Your Money Troubles

A Gen Z and Millennial Guide to Financial Success

Your Parents Were Wrong about Money

Most people never figure out how money really works-and spend the rest of their lives paying for it. But what if you had the blueprint? In the middle of an affordability crisis, the cost of housing, food, and daily essentials has skyrocketed. Worse, social media sells overnight success to anyone scrolling long enough. Written by a father and son with decades of real-world expertise, this book covers both the mindset that drives top performers and the fundamentals that turn a regular income into true financial freedom. From self-belief and goal-setting to compound interest, budgeting, and building assets that grow while you sleep, it gives you what most people spend a lifetime searching for. Inside, you'll discover: &nbsp;<ul><li>The mindset and habits of the top 1%</li><li>The Guaranteed Secret of Wealth that quietly builds a fortune</li><li>Why you can earn good money and still end up with nothing-and how to break that cycle</li><li>How to achieve financial independence and be in complete control of your future</li></ul> Read this book and you'll never think about money-and your own potential-the same again.

For Young People Who Refuse to Settle

The Beginner's Guide to Wealth

Navigate your health care future with confidence and learn the ins and outs of the Medicare system with Medicare 101, an essential guide that transforms complex health care jargon into easily digestible knowledge. Medicare 101 simplifies the complex Medicare regulations and policies, guiding you through a clear, step-by-step path to understanding the vital US health care program. Discover Medicare’s critical role in the US health care system today, its future implications for retirees, and how to easily decode the choices available using this guide’s straightforward structure. With this book, you will master the art of calculating Medicare costs, comparing Part A, Part B, and supplemental coverage options, and maximizing your Medicare benefits for long-term savings. Whether you’re planning for retirement or helping a loved one navigate their health care options, this guide is the ultimate resource for navigating Medicare’s complexities. Packed with practical tips and advice, Medicare 101 provides the essential tools to help retirees and caregivers make informed health care decisions.

From Your Initial Enrollment Period to Parts A, B, C, and D, an Essential Primer on the Government Healthcare Program

The 5 Years Before You Retire, 3rd Edition

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