Foreword by Ben Stein xi Acknowledgments xv Introduction xvii Part I Regain Your Balance Chapter 1 Adapt to the Changing Landscape 3 The End of Easy 3 The Lessons 9 A Final Word 10 Chapter 2 Prepare for Whatever the Future Holds 11 Rebuild Your Savings 12 Rethink Your Retirement Years 17 Retool Your Retirement Savings Plans 23 Reinvent Your Strategy 26 A Final Word 28 Part II Forge a New Plan Chapter 3 Grasp the Buckets of Money Concept 33 Put Time on Your Side 34 Other Risks 35 Wall Street's Answer 38 Flawed Analyses 40 Main Street's Myopia 41 "Reverse Dollar-Cost Averaging" 42 Proper Allocation 44 Proper Location 45 A Final Word 47 Chapter 4 Choose the Proper Investments 49 Bucket 1: The Income Bucket 49 Bucket 2: The Relative Safety Bucket, Mid-term Investments 58 Bucket 3: The Growth Bucket, Long-Term Investments 68 A Final Word 76 Chapter 5 Execute the Buckets of Money Strategy 77 First, Check Goals 77 Art and Science 78 Filling the Buckets 79 Bucket 1 80 Bucket 3A 81 Planning for Inflation 82 Bucket 3B 83 The Bottom Line 85 The Fate of the Heirs 85 Another Scenario 86 How Much Risk? 87 How to Allocate 88 The Importance of Bucketizing Now 89 A Final Word 90 Part III Refine the Plan Chapter 6 Take Another Look at Annuities 93 What's an Annuity? 93 Predicting the Future 102 Good Evidence 102 What Academia Says 103 Recovery Strategy 104 Risks and Opportunities 105 A Final Word 106 Chapter 7 See What REITs Can Do for You 109 What Exactly Is a REIT? 110 Combining the Best Features 110 Public versus Nontraded REITs 113 Another Advantage 114 The Lowdown on Loads 116 Are All REITs Low-Leveraged? 118 What Kinds of Properties Are Best? 120 Differs from Homes 124 The Role of REITs in a Portfolio 124 What Should You Look For? 125 Getting Help 128 My Personal Bias 129 A Final Word 131 Chapter 8 Play It Smart When It Comes to Personally Owned Real Estate 133 Your Home and Your Future 133 Buying Other Real Estate 147 A Final Word 153 Chapter 9 Give Uncle Sam His Fair Share--But No More 155 Tax-Free Municipal Bonds 156 Tax Management of Stock Portfolios 157 Real Estate 157 Roth Conversion 159 Incorporating Your Business 162 Tax-Credit Investing 164 Choosing Smart Location of Assets 166 A Final Word 168 Part IV Live Happily Ever After Chapter 10 Craft a Workable Withdrawal Strategy 173 Beware of Averages 174 Pitfalls Abound 176 Getting Set Up 177 Drawing Down Your Total Retirement Resources 179 Keeping Taxes Low 183 A Few More Thoughts about Stocks 187 A Final Word 191 Epilogue Keep Your Eye on Enjoyment 193 About the Authors 197 Recommended Resources 199 Index 203.