Retire Smart
The plain-English guide to planning the next 30 years — money, health, purpose and where to live. Four questions, four worksheets, one page.
$19.90 one-time · PDF e-book · 43 pages · instant download
Thirty years is not an epilogue. It is a second adult life.
A person retiring at 65 has a good chance of living to 90. Those years deserve the same planning the first career got — with one difference: this time you know what you like. Retire Smart is organised around the four questions that decide whether they are good years, in plain English, for people five to fifteen years out or already there.
Will the money last?
The one number that matters (spending, not savings), the three income buckets, the 4-percent idea and its limits, inflation, housing as the biggest lever, cleaning the fixed-cost column.
Will the body and mind hold up?
The five habits with real evidence, strength as the anti-ageing drug, the screening calendar, the brain, health cover and the cost of care, the paperwork of dignity.
What will I do all day, and with whom?
The retirement cliff, the four ingredients of a good day, working differently, marriage suddenly full-time, making friends after sixty, grandchildren and the money question.
Where will I live?
Stay, move or move twice; abroad — the dream and the paperwork; the home that ages with you; retirement communities and the words that hide them; living with or near family.
Worksheets and a one-page plan
Each part ends with a worksheet you fill in on paper. The final part turns your answers into a one-page plan, an annual review you can do in a morning, the five expensive mistakes, and a chapter on planning for the years alone. Ends with the questions to take to a licensed adviser, a lawyer and a doctor.
Who this is for
Anyone within fifteen years of retirement, on either side of it, in any country with a pension and a health system. General information, not personal financial, legal, tax or medical advice — the book helps you ask better questions, then take the specific ones to professionals who know your situation.
About the author
Meir Gilady is an Israeli entrepreneur and independent thinker based in Holon. Alongside a career in commercial real estate he builds software under the AILAMA name — including AILAMA Mind and ToolVerse — and writes about physics, technology and everyday wellbeing on Medium.
Questions
Which format? A PDF laid out for 6×9 in — reads well on a phone, tablet, laptop or printed. Refunds? Full refund within 30 days — reply to your Gumroad receipt.