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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

A Gen Z and Millennial Guide to Financial Success

Your Parents Were Wrong about Money

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.

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.

Risk Tolerance, Financial Stress, and Human-Centered AI

Behavioral Personal Finance

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

'The Wealth Habit shows how small, well-designed behaviours, repeated consistently, create extraordinary financial outcomes over time.' - Steven Bartlett, The Diary of a CEO Wealth doesn't start with money, it starts with a habit. Most people think that wealth is reserved for the lucky few-those born into privilege, gifted with an entrepreneurial streak, or naturally skilled with money. But the truth is, financial success isn't about luck-it's about habits. The Wealth Habit is a groundbreaking, behaviour-driven approach to wealth-building that rewires the way you think about money, turning financial success into a series of tiny, effortless, repeatable actions. Instead of overwhelming readers with rigid budgets or complex investment strategies, this book reveals how small, daily financial moves compound into life-changing wealth - no matter where you start. Whether you're struggling with money, looking to break free from the paycheck-to-paycheck cycle, or searching for a stress-free, automated way to build wealth, this book gives you a clear, habit-based roadmap to make financial success inevitable. Start small. Repeat often. Let the habit lead the way.

Small Changes that Will Make You Rich

The Wealth Habit

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

If you want to know more about living trusts, this book is here to help. Make Your Living Trust gives you straightforward and easy-to-understand information about how living trusts: <ul> <li>compare to wills</li> <li>pass property to beneficiaries without probate</li> <li>provide for minor children, and</li> <li>help protect against unexpected incapacity.</li> </ul> You might have heard about living trusts and have a general sense that you should make one. But if you're like most people, you're not exactly sure why or how to do it. If this sounds like you, Make Your Living Trust provides the information and support you need to make informed estate planning decisions. For many people, living trusts are a useful tool to keep their property out of probate. This makes a lot of sense because probate often makes the process of wrapping up an estate more complicated and expensive than it needs to be. And there are other reasons to make a living trust -- a living trust allows you to authorize someone to take care of your property in case of incapacity, and (unlike wills) living trusts keep your personal business private. That said, not everyone needs a living trust. Many people need only a will and a durable power of attorney. Others might use those in conjunction with pay-on-death accounts or transfer-on-death deeds. Compared to other estate planning tools, living trusts can be more expensive to create and more complicated to live with. So, you don't want to go through the trouble and expense of making one if you don't need to. Make Your Living Trust helps you think through these and many other trust-related issues. For example, it helps you weigh the pros and cons of making a living trust yourself versus having an attorney draw one up. It also covers questions that might come up as you make a living trust (with or without a lawyer), like: <ul> <li>What types of property work well in a living trust?</li> <li>Can you and your spouse make a living trust together?</li> <li>What is the role of a successor trustee?</li> <li>Who decides when minor children receive their inheritance?</li> <li>How do you transfer property into your living trust?</li> <li>What makes a living trust legal?</li> <li>Where should you store your living trust?</li> <li>Do you have to register your trust or share it with your family?</li> <li>What other estate planning documents might you need?</li> </ul> Make Your Living Trust can help with all of this and more. It will be your steady companion as you learn about wills and trusts and start to craft your estate plan.

Make Your Living Trust

Independently published

You do not have to turn life into an emergency to build financial independence. Slow FIRE is a sustainable approach for people who want to save and invest seriously while preserving relationships, health, meaningful experiences, and a workable pace. It rejects the false choice between enjoying today and protecting tomorrow. Elias Evermont shows you how to define a life worth funding, choose a savings rate you can sustain, and measure progress through more than one final retirement number. You will learn how to use flexibility, career development, intentional spending, gradual lifestyle changes, and long-term investing without allowing urgency to become burnout. The book also addresses housing, family, healthcare, travel, market uncertainty, and the seasons when progress must slow. Practical frameworks help you decide when to accelerate, when to protect capacity, and how to keep the plan moving through real life rather than an idealized spreadsheet. Build freedom steadily. Live meaningfully now. Reach financial independence without sacrificing the person who is supposed to enjoy it.

A Sustainable Path to Financial Independence Without Putting Life on Hold

Slow FIRE

Decoding the Hidden Architecture of Target-Date Funds

The Retirement Black Box

Manchmal kommt die Angst leise. Und manchmal zieht sie uns den Boden unter den Füßen weg und wir fragen uns, ob wir jemals wieder unbeschwert leben können.Angst ist keine Schwäche. Sie prägt unsere Zeit und liegt wie eine unsichtbare Last auf immer mehr Menschen, die vor Einsamkeit, Krankheit oder Verlust bangen und in ständiger Alarmbereitschaft leben.Die erfahrene Haus- und Notärztin Lisa Federle sieht dieses Leid täglich bei ihren Patientinnen und Patienten - und weiß, wie es sich anfühlt. Ihr Buch ist ein Mutmachbuch, um den Kreislauf der Panik endlich zu durchbrechen und Schritt für Schritt die Kontrolle über das eigene Leben wieder zurückzugewinnen.'In diesem Buch teile ich bewegende Geschichten aus meinem Alltag als Ärztin. Ich erzähle von Saskia, einer Lehrerin, die von Schwindel, Schlaflosigkeit und der Angst beherrscht wird, schwer krank zu sein. Es dauert lange, bis jemand die wahre Ursache findet. Von Simone, deren Leben nach einer Trennung so sehr aus den Fugen gerät, dass sie nachts nicht mehr weiß, wie sie den nächsten Morgen überstehen soll. Und von Jasmin, der älteren Frau, die aus Angst vor einem Krieg Lebensmittel hortet.Diese Geschichten zeigen berührend und ehrlich, wie Ängste entstehen und warum sie uns oft körperlich und seelisch so stark einschränken. Vor allem aber möchte ich Ihnen Wege aufzeigen, wie Sie langsam, aber sicher wieder Zuversicht gewinnen und Ihren ganz persönlichen Ausweg finden. Ich will Ihnen Mut machen, Vertrauen zu fassen und die Kraft zu spüren, auch in dunklen Zeiten neuen Lebensmut zu schöpfen. Denn wenn wir die oft tief sitzenden Ursachen unserer Angst verstehen, nehmen wir ihr die lähmende Macht über uns.'

Manchmal kommt die Angst leise. Und manchmal zieht sie uns den Boden unter den Füßen weg und wir fragen uns, ob wir jemals wieder unbeschwert leben können.Angst ist keine Schwäche. Sie prägt unsere Zeit und liegt wie eine unsichtbare Last auf immer mehr Menschen, die vor Einsamkeit, Krankheit oder Verlust bangen und in ständiger Alarmbereitschaft leben.
 Die 
 erfahrene Haus- und Notärztin Lisa Federle
 sieht dieses Leid täglich bei ihren Patientinnen und Patienten – und weiß, wie es sich anfühlt. Ihr Buch ist ein Mutmachbuch, um den Kreislauf der Panik endlich zu durchbrechen und Schritt für Schritt die Kontrolle über das eigene Leben wieder zurückzugewinnen.
 »In diesem Buch teile ich bewegende Geschichten aus meinem Alltag als Ärztin. Ich erzähle von Saskia, einer Lehrerin, die von Schwindel, Schlaflosigkeit und der Angst beherrscht wird, schwer krank zu sein. Es dauert lange, bis jemand die wahre Ursache findet. Von Simone, deren Leben nach einer Trennung so sehr aus den Fugen gerät, dass sie nachts nicht mehr weiß, wie sie den nächsten Morgen überstehen soll. Und von Jasmin, der älteren Frau, die aus Angst vor einem Krieg Lebensmittel hortet.Diese Geschichten zeigen berührend und ehrlich, wie Ängste entstehen und warum sie uns oft körperlich und seelisch so stark einschränken. Vor allem aber möchte ich Ihnen Wege aufzeigen, wie Sie langsam, aber sicher wieder Zuversicht gewinnen und Ihren ganz persönlichen Ausweg finden. Ich will Ihnen Mut machen, Vertrauen zu fassen und die Kraft zu spüren, auch in dunklen Zeiten neuen Lebensmut zu schöpfen. Denn wenn wir die oft tief sitzenden Ursachen unserer Angst verstehen, nehmen wir ihr die lähmende Macht über uns.«

Wie wir uns unseren Ängsten stellen und an ihnen wachsen

Gut gegen Angst

A financial planning guide built specifically for adults living without children&nbsp; In&nbsp;But Who Will Take Care of You When You're Old?: Financial Planning for Life Without Kids, CPA and CFP® Kelley C. Long draws on over 20 years of client-facing financial planning experience to address a reality facing more than 20% of U.S. adults: how to finance later-life and end-of-life care without children to help.&nbsp; Long provides a step-by-step approach to life and financial planning that moves beyond the traditional model built around raising children,&nbsp;saving for&nbsp;retirement at 65, and leaving a legacy. The book includes exercises to address internal blocks around counter-cultural lifestyle choices alongside practical personal finance strategies for achieving financial independence on your own terms.&nbsp; Readers will also find:&nbsp; <ul> <li>Guidance on funding later-life care independently, without relying on family members to coordinate or provide support&nbsp;</li> </ul> <ul> <li>Strategies for pursuing meaningful goals like career changes, travel, or starting a business while&nbsp;maintaining&nbsp;financial security&nbsp;</li> </ul> <ul> <li>Exercises designed to build confidence in lifestyle decisions that diverge from conventional expectations around family and finances&nbsp;</li> </ul> <ul> <li>Practical approaches to personal finance that do not assume legacy planning or dependent-centered savings as primary objectives&nbsp;</li> </ul> <ul> <li>A framework for balancing present-day fulfillment with long-term planning to ensure you can afford care when needed&nbsp;</li> </ul> Written for Millennial and Gen X adults who are child-free by choice or circumstance, whether single or partnered, this book provides the financial planning tools and mindset shifts needed to live fully now while preparing to fund your own care later in life.&nbsp;

Financial Planning for Life Without Kids

But Who Will Take Care of You When You're Old?

Charles Githongo

Hard work still matters-but in today's economy, effort alone does not guarantee financial stability. &gt;Why Working Hard Is Not Enough introduces a more coordinated way to think about money. Rather than promoting quick fixes or isolated financial products, Charles Githongo explains how strategic financial thinking can help individuals and families make clearer, more informed long-term decisions. In this book, you will explore: - Why earning more does not automatically create financial security - How inflation, taxes, and economic change can quietly weaken financial progress - Why protection should be considered before aggressive growth - How saving, investing, retirement income, healthcare, and legacy planning are connected - Why uncoordinated financial decisions can create avoidable gaps - How a systems-thinking approach can bring greater clarity and confidence &gt;This book is written for working individuals, families, professionals, and anyone who has begun to realize that effort without a coordinated strategy can lead to years of activity without lasting stability. Drawing from his background in financial education, information technology, and software development, Charles Githongo approaches personal finance through the lens of systems thinking. He shows that financial decisions should not be treated as separate pieces, but as interconnected parts of a larger strategy. Why Working Hard Is Not Enough does not promise shortcuts or instant wealth. It offers something more useful: a framework for understanding how today's financial environment works and how thoughtful, coordinated decisions can support protection, growth, retirement readiness, and legacy. Hard work creates income. Strategy creates stability.

Strategic Financial Thinking

Why Working Hard Is Not Enough

Take Control of Your Finances and Get More from Quicken Classic Deluxe 2026Managing your money should give you clarity, not confusion. Quicken Classic Deluxe User Guide 2026 is a practical, step-by-step resource designed to help you confidently navigate Quicken Classic Deluxe and turn its powerful financial tools into an organized system for managing your everyday finances.Whether you are setting up Quicken for the first time or want to make better use of features you already have, this guide walks you through essential functions in clear, approachable language. Learn how to organize accounts, monitor spending, create realistic budgets, manage bills, analyze investments, generate useful financial reports, and keep your financial information accurate and up to date.Inside this comprehensive guide, you'll discover how to: <ul><li>Set up and organize banking, credit card, investment, and other financial accounts</li><li>Create budgets and monitor income and expenses with greater accuracy</li><li>Manage bills, payments, transfers, categories, payees, and recurring transactions</li><li>Track investments, portfolio performance, asset allocation, and cost basis</li><li>Create and customize reports for spending, net worth, taxes, and investments</li><li>Use tags, transaction rules, memorized payees, and other tools to streamline everyday tasks</li><li>Troubleshoot common connection, synchronization, and data-file problems</li><li>Protect your financial records with effective backup and file-maintenance practices</li><li>Customize Quicken Classic Deluxe to build a faster, more efficient personal finance workflow</li></ul>Rather than simply explaining where features are located, this Quicken Classic Deluxe 2026 guide focuses on how to use them effectively in real-world financial situations.From everyday expense tracking to long-term investment monitoring, you'll gain the knowledge needed to stay organized, understand where your money is going, and make more informed financial decisions.Master Quicken Classic Deluxe 2026 and build a smarter, clearer approach to managing your financial life.

The Complete Step-by-Step Manual to Master Budgeting, Bill Payments, Investments, Reports, and Personal Finance with Confidence

Quicken Classic Deluxe User Guide 2026

The 5 Years Before You Retire, 3rd Edition

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