Spend Til the End

The Revolutionary Guide to Raising Your Living Standard Today and When You Retire

By Laurence J. Kotlikoff & Scott Burns
Spend til the End

Whether you are rich or poor, young or old, Spend ’Til the End by Scott Burns and Laurence J. Kotlikoff will help you raise your living standard, improve your lifestyle -- and literally "spend ’til the end." But that’s not all. It will also completely transform your financial thinking, turning conventional financial wisdom on its head.

If this sounds like a revolution in financial planning, you got it. So do The New York Times, The Washington Post, The Wall Street Journal, USA Today, Time, Consumer Reports, and other top publications that have featured the authors’ economics-based "consumption smoothing" approach to financial planning.

Spend ’Til the End substitutes economic wisdom for the "rules of dumb" that currently pass for financial advice. In the process, it indicts the investment and financial-planning industry for giving most people saving and insurance targets that are much too high and then convincing them to invest in risky mutual funds and expensive insurance policies.

The result is that most people are scrimping and saving during the years when they could be spending and enjoying their money -- and with no sure payoff.

Easy to read, this book is packed with practical and often shocking advice on whether to work, how to pick a career, which job to take, where to live, what sort of house to buy, how much to save, when to retire, which kind of retirement account to use, whether to have kids, whether to divorce, when to take Social Security, how fast to spend down your assets in retirement, and how to invest.

Praise for the Book

"Spend ’Til the End uses the revolutionary science of economic life-cycle planning to provide concrete and often surprising answers to the basic financial questions confronting every American. Imagine that: a book that will actually improve your standard of living." -- Philip DeMuth, Ph. D., Managing Director, Conservative Wealth Management LLC

"Even if you’re one of those rare individuals who thinks that you’ve saved and planned well for your retirement, Spend ’Til the End has news for you. And if you’re part of the vast majority who haven’t, it may very well save your sorry, retired future." -- William J. Bernstein, co-founder, Efficient Frontier Advisors, and author of The Four Pillars of Investing and A Splendid Exchange

"Kotlikoff and Burns turn conventional retirement planning wisdom on its head in a feisty financial guide that questions the financial benefits of college and argues delaying filing for Social Security benefits … The authors efficiently address Roth IRAs and provide an eye-opening expose of the duplicity rampant in the personal finance industry." -- Publishers Weekly

Spend ’Til the End can be purchased at SimonSays.com, the web site for Simon & Schuster, or at major book stores.

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