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101 Retirement-Related Websites, Blogs, and Articles to Help You Retire Richer, Smarter, and Happier

This is a retirement directory of the 101 best retirement websites, the best retirement blogs, and the best retirement articles that provide retirement information which will help retirees retire richer, smarter, and happier.

1. Next Avenue: Next Avenue is a website launched for PBS by Twin Cities Public Television (TPT) in St. Paul, MN. It offers news, advice, information, and stories aimed at seniors and baby boomers in the areas of Health & Well-Being, Money & Security, Work & Purpose, Living & Learning, and Caregiving.

2. US Government Website: Home page of the US Government's Official Web Portal for all government transactions, services, and information including links to Social Security and Retiree Benefits. This American Government Website includes links to Services such as Money and Taxes (Learn about taxes, money the government may owe you, investing, credit help, and more), Travel and Immigration (Learn about visiting, traveling within, and moving to the United States), Health (Find health resources from the government), Housing (Get information and services to help with finding and keeping a home,) and Jobs and Unemployment (Find out how and where to look for a new job or career, get help if you are unemployed, and more).

3. Retirement Income Calculator: Take an educated guess at how much money you will have to spend in retirement by estimating your retirement benefits at this U.S. Government website. If you currently have enough Social Security credits to qualify for benefits, you can use the Retirement Estimator for a retirement estimate based on current law and real time access to your earnings record.  The estimator provides an estimate of your retirement benefits comparable to the estimate you receive on your Social Security Statement each year, and lets you create additional "what if" retirement scenarios.

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4. How to Retire Happy:  Your true nature is to retire happy, wild, and free. Never lose touch with it. You will, however, if you are not careful. The way to ensure that you have a happy retirement is to have a copy of The World's Best Retirement Book by Ernie Zelinski available at your fingertips. This webpage shows you why you should retire before you expire.

5. Retirement Quotes for Smart People: Part of the Sensational Quotes for Smart People Website which also has Funny, Inpsirational, and Motivational Quotations in the areas of Artists, Business, Cars, Creativity, Dancing, Dating, Education, Fame, Gambling, Hockey. Laughter, Life, Marriage, Opportunity, Single Life, Success, Travel, Work, and Writers.

6. Victory Lap Retirement: — Work While You Play. Play While You Work. The Joy of Financial Independence . . . At Any Age: This website/blog is an extension to Mike Drak's and Johnathan Chevrea's book Victory Lap Retirement. It is "A Retirement Book about Not Retiring".

7. 10 Great Retirement Books: US NEWS in an article about 10 Great Retirement Books by Steven Holbrook listed How to Retire Happy, Wild, and Free in the Number 1 Position. "Retirement has long been seen as a time to settle down, grab a hot beverage and read a book or 10. Whether you’re already retired or preparing for it, these books are must-reads you’re looking to make the most of your golden years."

8. 6 Retirement Books You Should Read Now: In September 2014 the AARP (American Association of Retired People) posted this article on their website. How to Retire Happy, Wild, and Free was in the Number 6 Position.

9. Washington Post's The Best Websites for Boomers and Retirees by Rodney Brooks: Note that The Retirement Cafe is in the top-three after and the US News World Report's On Retirement".

10. Best Personal Finance Books for 2017: It's nice to see bloggers — even financial advisors at that — mention How to Retire Happy, Wild, and Free even though it was first self-published 13 years ago. Financial writer Joseph Hogue mentions several really interesting financial books that I have never heard of. I will buy at least two of them even though my finances are in great shape. I like Hogue's comment about himself: "After taking control of my finances and learning how to make money in a job I love, I found a level of financial freedom that just has to be shared."

11. Ditch The Retirement Bucket List And Honey Do List For This: A curious list is better than the bucket list. "Don’t be cliché or old fashioned, ditch the retirement bucket list and honey do list for a new and more profound curious list. A good curious retirement list will support a balanced retirement that incorporates mental and physical health, social activities, financial well-being, and spiritual growth. It will also go a long way in helping you fill your time and replace our work identity."

12. The Top 5 Regrets of The Dying: When people realise that their life is almost over and look back clearly on it, it is easy to see how many dreams have gone unfulfilled. A palliative nurse recorded the most common regrets of the dying and put her findings into a book called The Top Five Regrets of The Dying. This was the most common regret of all: “I wish I’d had the courage to live a life true to myself, not the life others expected of me.” 

13  A Tale of Two Retirements: FIRE and Traditional. January 13, 2020 By Chris Mamula: Chris Mamula used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design at Can I Retire Yet? In this blog post Kevin Knox in the comments says, "Ernie Zelinski’s books (How to Retire Happy Wild and Free and others) are exactly the kind of thing everyone should read BEFORE pulling the trigger and leaving the working world."

14. NPR Planet Money for Retirement. NPR Radio's Money Blog. Keep up with the global economy with news from this blog. Categories include, Asia's Financial Crisis, Currencies, Economic Scene, Europe's Financial Crisis, Fun With Economics, Standard of Living, Understanding The Crisis, Wall Street.

15. 5 Secrets to a Happy Retirement: In a recent survey of MONEY readers, 48% retirees reported being happier in retirement than expected; only 7% were disappointed.

16. Planning to Retire Blog: By U.S. News retirement reporter Emily Brandon tells you how plan financially for retirement and how to make the best of your retirement years.

17. The Vancity Retirement Calculator:  This is my favorite retirement calculator for Canadians. The Vancity Retirement Planner Calculator can help estimate the amount of savings that you may want for retirement. Punch in your numbers for your age, your estimated date of retirement, the number of years before you pass away, your financial needs for retirement and your various expected sources of income to get a sense of how long your money will last or how much you should have when you pass away. Make sure to create the graph that gives you the full picture. By flagging any shortfalls or surpluses, the calculator outlines the savings you may need to reach your financial goals for retirement.

18. AARP: Health, Travel, Baby Boomers, and Retirement Travel. AARP is a membership organization leading positive social change and delivering value to people age 50 and over through information, advocacy and service.

19: AARP The Magazine: The World's Largest Circulation Magazine for Retirees: serves the interests of people 50 and over. Editorial topics include money, health, travel, and retiree finances.

20. Alliance for Retired Americans: ARA is an activist voice for older Americans and is one of the largest organizations today representing senior citizens and their families. Created to spearhead the charge to enact a health care program for senior citizens -- Medicare. Has approximately 3 million members. 

21. Retirement Jobs and Retirement Businesses at The Real Success Resource Center: Retire to a Job You Love Instead of One You Love to Hate! Top-10 Retirement Jobs. Top-15 Cool Retirement Jobs. Retirement Jobs versus Retirement Businesses.

22. RETIREMENT FOR 35 YEARS ON $180,000: Peter Dunn, Special to USA TODAY, October 26, 2019: Can $180,000 really last 65-year-old, soon-to-be retiree until 100? It depends.


Purchase The Joy of Being Retired on

Purchase The Joy of Being Retired on

23. The Retirement Quotes Café: A Comprehensive Collection of Retirement Quotes and Retirement Sayings for Any Occasion Including a Retirement Card or a Retirement Party. Also Retirement Letters, Retirement Speeches, and Retirement Poems to help you retire happy.

24. Squared Away Blog; Financial Behavior: Work, Save, Retire:  Weekly blog posts by Kimberley Blanton (Center for Retirement Research at Boston College) includes interesting research and comments on why some people handle their money masterly while others wind up in the financial gutter. Also, why some people manage to prepare for a healthy retirement while others fail to save a cent.

25. How to Keep Earning a Paycheck in Retirement: More Americans aged 65 and older are working than at any time since the turn of the century according to 2016 Pew Research Center. There are many part-time and full time opportunities for older Americans. Figuring out what professional path to pursue is not easy, however. Robert Powell, editor of Retirement Weekly, offers some tips on how to find rewarding work later in life in this USA TODAY article.

26. Redefining the Ideal Retirement: This article by Dan Kadlec is one of the better articles about retirement (in fact, one of the top-10 out of hundreds that I have read). He missed just one really important point, however — being able to afford to drink way too much wine with your friends!

27. Wikipedia: the online encyclopedia that is the work of 6,000 volunteers and covers a huge range of subjects including retirement and finance issues.

28.  How to Avoid Choosing the Wrong Retirement Paradise: Make sure your retirement location is right for you!

29. How a Couple Managed to Retire in Their Thirties: If you want to travel extensively in retirement, you should do so while you are still able to enjoy it. Travel requires a high degree of mental and physical energy. Winnie Tseng and Jeremy Jacobson have been enjoying themselves thoroughly after taking early retirement when they were both still in their thirties. The couple has been traveling around the world, using the income derived from their investment portfolio. This July 2015 article on the EJ Insight website explains how and why Tseng and Jacobson retired so early.

30.  Nursing Homes: Why They Cost So Much:  December 10, 2019: The non-profit chains are the most expensive. Their prices, adjusted for staffing levels, location and other facility-level factors, are about 6.6 percent more than the for-profit chains – or about $4,160 more annually – the study found. While the nonprofit chains are more expensive, they have also been shown to provide higher quality care, the researchent. Punch in all the data including your age, your estimated daers said.

31. 5 Things Rich People Say Beats Having $1 Million [for Retirement: Retired millionaires reveal their most important financial milestones, and you might be surprised at their answers. Rich retirees think these five financial milestones are more important than becoming a millionaire: 1. Retiring: 55 percent; 2. Paying off home mortgage: 43 percent; 3. Having the ability to pay cash for a new car or other special purchase: 31 percent; 4. Paying for children’s education: 28 percent; 5. Reaching a certain annual income level: 20 percent. 

32. Canada Retirement Income Calculator:  A step-by-step calculator shows you how much income you will receive annually through pensions, government benefits and investments. For educational purposes only.

33. PBS Video — Dinner and the World's Best Retirement Book: A Special PBS Video — Dinner and a Retirement Book Called How to Retire Happy, Wild, and Free. Aired: January 30, 2016. Length 26 minutes 54 seconds.

34. National Seniors Council of Canada: Takes into account the views of experts, seniors, retirement organizations and groups that provide seniors programs and services, provincial/territorial advisory bodies on seniors, and other interested parties and then provides advice to the Minister of Human Resources and Social Development, the Minister of Health, and the Secretary of State (Seniors).

35. Reddit - Financial independence / Early retirement from San Francisco, CA: This financial blog is for people who want to become Financially Independent (FI), which means not having to work for money. Financial Independence is associated with the concept of Early Retirement - quitting your job or career and pursuing other activities with your increased leisure time.

36. U.S. Government Department of Veterans Affairs: Information on veterans' benefits and other resources for the 25 million American veterans alive today.

37. A Complete Beginner’s Guide to 401(k) Plans: Trent Hamm on The Simple Dollar website offers advice on why people should take advantage of the 401(k) plans offered in their workplace. "It is an incredibly useful tool," says Trent, "for saving money for retirement." In short, A 401(k) plan offers a very simple opportunity for Americans to save for their retirement. "When you’re retired, the money from your 401(k) serves as 'income' on top of your Social Security check. It can easily turn a threadbare existence into a very rich and enjoyable one."

38. Budgeting & Savings Tips For Retirees: Financial advice on the right way to change spending habits and learn why the wrong ways don't work. Budgeting is an important tool to use at any age, although to many of us it sounds like a four letter word. Practical ideas for budgeting and saving that make managing expenses easy.

39. Is Early Retirement Great? For Some, It’s Hard Work to Have Fun: "While early retirement and a life of leisure may sound like the stuff of daydreams, the reality can be jarring for people who are used to being busy — and important. There can be boredom, a sense of isolation and a lot of awkward social questions," says Joanne Kaufman in the New York Times.

40. Retire Before Dad: Blog by an investor and blogger who is 43 years old and is based in the Washington, DC metro area. His major goal is to stop working before he turns 56, the age at whick his father retired. He hopes to combine both travel and family life in early retirement which is his primary motivation for financial independence.

41. My Federal Retirement: My Federal Retirement — with more than 2 million readers annually and 175,000+ subscribers to its free email newsletter — is the leading provider of financial and retirement planning information for federal and postal employees. This website/blog provides Federal Retirement Planning Resources for employees involved in the Federal Employees Retirement System (FERS), Civil Service Retirement System (CSRS), and Thrift Savings Plan (TSP).

42. 37 Things You Will Regret When You Are Older: To this list of 37 Things You Will Regret When You Are Older I would add:                         * Not having written a book.
 * Not having handled money properly so that you have plenty for retirement.
 * Not having made a much greater difference in this world.

43. 3 Misconceptions about Retirement in Canada: These are: “1. Most people don’t know their retirement date far in advance. 2. Only a minority become ‘snowbirds'. 3. Few people work part-time after retirement. The details on myth No. 1 were most interesting. “Among the survey respondents, 55 per cent expected to know their retirement date a year or more in advance. But just 39 per cent had that much notice. In fact, 16 per cent had no advance notice of their retirement.”

44. Retirement: A Full Time Job: The Unfettered Pursuit of Happiness After four years at a Big 8 accounting firm, and almost eighteen at a venture capital firm, Sydney Lagier is making her career-long fantasy of retiring in her 40's a reality.

45. Don't Make These Common Retirement Mistakes: Tammy Flanagan in Government Executive magazine regularly gives advice on how to prepare for life after government. In this article Tammy shares three common errors that can cost you more than just your pride after retirement. Tammy also states, "One of my all-time favorite books to prepare for the mental transition to retirement is How to Retire, Happy, Wild and Free by Ernie Zelinski."

46. BEING BUSY IN RETIREMENT USING THE GET-A-LIFE TREE: When my husband’s company was sold and he was not working for a while, my son bought him a book titled, The Joy of Not Working, by Ernie Zelinski. I’m sure it was kind of a joke, but I picked it up one day and started reading. It is meant to be a practical and reliable guide to create a paradise away from the workplace. It was written for the retired, unemployed or those that are working but not loving the 9-5. It’s a book meant to get you excited about life and when you wake up every morning, excited about the day. My favorite exercise in the book was The Get-a-Life Tree.

47. 100 Blogs That Will Make You Smarter: An Online Universities Blog Entry By Alisa Miller. Includes popular topics for retirees such as politics, news, sports, higher education, science, and art.

48. Vanguard Blog on Retirement - Valley Forge, PA: Blog Retirement Insights and opinions from Vanguard leaders. Ideas on how to build your retirement nest egg and make your savings last. Contributors conduct research and provides thought leadership on retirement topics around the globe and includes global retirement systems, personal finance, retirement planning, and portfolio construction strategies.

49. Seniors Discounts: is an online directory of US businesses that offer age related discounts to people 50 years of age and older. The website lists over 150,000 business locations offering discounts. Includes the contact information, discount information and other information necessary to receive each discount.

50. The School of Life: Great for retirees who live in London, The School of Life is a new social enterprise offering good ideas for everyday retirement living. Based in a small shop in Central London this private educational institution offers a variety of programs and services on how to live wisely and well.

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51. The 10 Best Personal Finance Books of 2020: Manage your money better with these reads" BY BEVERLY BIRD - Updated April 10, 2020. " Weirdly, it was through synchronicity that I found this article. For my new book "Money Wisdom for Smart People — Dummies Don't Bother," I was looking to add to my list of recommended financial books and the first result on Google was this webpage. Note that How to Retire Happy, Wild, and Free is number 9 out of number 10.

52. Where to Retire Magazine: The website of the magazine with more than 500,000 American and Canadian readers each issue. Where to Retire magazine covers all topics related to retirement relocation. Now in its 15th year in publication, the magazine may help you discover the ideal setting for a happy and fulfilling retirement.

53. UK Government Retirement and Pensions Webpage: The Pension Tracing Service can help you find the contact details of a personal or company pension scheme that you've lost touch with.

54.  The Best (and Worst) Places in the World to Retire: Are you planning a fruitful retirement? If so, you may want to consider emigrating to another country. Mercer’s annual Global Pension Index assesses the retirement income systems of 25 countries based on 40 categories that include savings, tax support, demography, regulation and communication.

55. Create Your Own Joyful Retirement: "Perhaps one of the most read authors on retirement is Ernie Zelinski, an authority on retiring. His books, How To Retire, Happy Wild and Free and The Joy of Not Working. Stresses his belief that ordinary people can attain out-of-the-ordinary results and make a difference in this world while still taking plenty of time off to enjoy life. I like his theory. When we venture on unscripted or out of the ordinary activities we gain the potential to fuel our souls and bring calm and satisfaction to our lives. We become better, happier people when we view retirement as a time to enjoy and reflect on the good aspects of life. It’s also an effective way to stay happily married in retirement!"

56. SeniorNet: America's leading nonprofit technology educator of older adults 50+ headquartered in Herndon, Virginia. Besides teaching retirees how to use computers, SeniorNet works toward raising awareness throughout the legislative community of the need for technology access and education for the nation’s older adult population.

57. The Joy of Not Working Website: Features The World's Best Retirement Book  and The World's Second Best Retirement Book. Real life success stories about people not working, 25 reasons to retire early, and retirement quotes, letters, jokes, and poems from an author whose books have sold over 1,000,000 copies worldwide. The two retirement books mentioned above have together sold over 700,000 copies.  

58. Most Retirees Doing Very Well by Living on a Mere 66 Percent of Preretirement Income: Two major financial institutions — JPMorgan Chase & Co. and T. Rowe Price — provided studies in 2014 that most retirees are doing well with less income than they had while they were working. Both studies found that until Americans hit the latter retirement years, when health care expenses tend to scale up, they’re spending far less than 85 percent of their pre-retirement income, on average. Even the 70 percent number can look excessive.

59. The Joy of Being Retired: Besides featuring the retirement gift book The Joy of Being Retired: 365 Reasons Why Retirement Rocks — and Work Sucks!, this website also includes retirement resources such as retirement quotes, retirement poems, and snappy retirement cake sayings. Also, a collection of retirement poems to compliment and compete with the collection on The Retirement Poems Cafe by Ernie Zelinski.

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60. The Fun at Work Cafe : For the  soon-to-be retired who want to have fun at work before they retire. This website has a webpage totally devoted to the soon-to-be retired.  

61. Mastering Midlife and Beyond: Why We're Flunking Retirement:Retirement today has become a “a depressing image,” according to Forbes and Mark S. Walton, a Peabody Award-Winning Journalist. Walton talks about how Horace Deets, who left his job at age 63 as Executive Director of AARP, was at one time the giant of the retirement industry but concluded that the very concept of retirement was absurd. Walton suggests that you, "Take some time off to rest and recharge between phases of your life’s work. Then, set your brain free to ponder what’s next. Let it chew on what fascinates you, what you’d really love doing and how you might go about it."

62. Bank On Yourself by Pamela Yellen: This blog by Pamela Yellen is a personal finance blog for Retirement and Investment Advice. It helps individuals take control of as well as grow and protect their finances. Blog articles include There’s a Good Chance You May Be Forced to Retire Sooner Than You Expect written on April 18, 2019.

63. Loneliness Can Be Hazardous To Your Health: A new research study from the University of Chicago shows that loneliness poses a significant health risk for older adults. The report looked at over 2,000 people over the age of 50 and looked at whether they were lonely or not. What they found is those who were lonely are at increased risk for all sorts of health problems. In fact, loneliness may be twice as unhealthy as obesity for older people.

64. 8 Unconventional Retirement Communities: Not anywhere that I would like to live in my retirement but some of these may appeal to other retirees.

65. Retirement Planning for Academics: This is an interesting and well-written article about retirement planning for academics. Retirement planning: it’s about more than money.

66. Retiring at 27: Ambitious, Lazy or Crazy?  Here is a guy who decided (when he was 21) to retire at 27 - and did it! He walked the talk, in other words. Some people will despise the guy, and want to take his money away, to give to the people who failed to save for retirement. But I admire him, and wish that I myself had been able to achieve what he did by the time I was 27.

67. Best Books About Money : Posted by Andrew | May 27, 2020: "After reading hundreds of personal finance books, I can tell you that some should definitely be read and do a very good job of explaining certain niche topics when it comes to money. Here are our top eight recommendations for the best books about money, organized by some of the most important pillars of finance." Note that How to Retire Happy, Wild, and Free is number 6 out of number 8.

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 68. Retirement E-book: The 237 Best Things Ever Said about Retirement:  Few things spice up an article, a book, a conversation, or a speech more than a great quotation. From a collection amassed over many years, this is a wonderful assortment of some of the most unpredictable, ridiculous, outrageous, humorous, motivational, and inspirational quotations about RETIREMENT.

69. The Money Café: Where Money Talks with a Conscience: This website gives you free financial advice on how to make money, how to save money, and how to spend money wisely. Hopefully, this financial advice will help you put money in proper perspective so that you achieve prosperity beyond your wildest dreams.

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70. Chartwell Retirement Residences Blog for Retirees: Blog by Chartwell Retirement Residences which is the largest operator of retirement residences in Canada. It has over 175 locations across four provinces in Canada, that include retirement and long term care homes.

71. Choose to Save: A public education and outreach program that is dedicated to raising awareness about the need for Americans to plan and save not only for retirement also for long-term personal financial security.

72. Get Smarter about Money: This Canadian website is run by The Investor Education Fund (IEF), which develops and promotes unbiased, independent financial information, programs and tools to help consumers make better financial and investing decisions, including saving for their retirement. The Investor Education Fund was established as a non-profit organization by the Ontario Government run OSC (Ontario Securities Commission) and is funded by settlements and fines from OSC enforcement proceedings.

73. My Retirement Paycheck: Developed by the National Endowment for Financial Education (NEFE) in partnership with many leading retirement experts. (NEFE is a national nonprofit foundation working to improve the financial well-being of all Americans.) This retirement website separates retirement into eight topics that can have a major impact on how much money is available for retirement. The eight topics are Social Security, work, debt, fraud, insurance, pensions, home & mortgage, and retirement assets. Each major retirement issue is explained in detail and related to the other respective categories.

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74. Retirement Home Exchange: The premier international home exchange and home swap service. Home Exchange is the vacation alternative where two families agree to swap homes for a vacation. "You stay in my house while I stay in yours." Price Is $99.95 per year.

75: The Retirement Planning Association of Canada: (RPAC) provides a multitude of resources to its members via a variety of education programs.Their members also assist corporations and unions in delivering effective retirement education programs for their employees and members. A source of relevant information on the changes in retirement planning in Canada for the general public.

76: Relax: These 15 Things Are Cheaper Once You Retire: "Yes, your available income might decrease during retirement, but your ability to live frugally also gets much easier." Here are 15 things that get a lot cheaper once you retire according to's Lauren Hamar.

77. Road Scholar Adventures in Lifelong Learning®  Inspiring instructors, spirited conversations, new friends, new experiences — being a Road Scholar encompasses the best of the university experience. Educational Travel and Learning Vacations for Retirees Offers group educational travel adventures especially designed for grandparents (over age 55) and their grandchildren. Discover nearly 8,000 educational tours in all 50 states and more than 90 countries with Elderhostel, the not-for-profit leader in educational travel since 1975. Alongside local and renowned experts, experience in-depth and behind-the-scenes learning opportunities, from cultural tours and study cruises to walking, biking and more.

78. Money Guru Suze Orman: Author of the books The 9 Steps to Financial Freedom: Practical and Spiritual Steps So You Can Stop Worrying and Suze Orman's 2009 Action Plan. Quotes from Suze Orman: "Invest in the known before the unknown."

79. Don't Retire, Rewire: Emphasizes the new retirement model that includes life planning and financial  planning. Using this model, you can still claim your dreams, achieve life balance, continue to work, to contribute, to have meaning and purpose and to enjoy good times and relationships.

80. FINANCIAL TIMES: Life Two: What we used to call ‘retirement’ by Don Ezra:: Are you ready — psychologically and financially — for the next episode? If ever there was a word that needed to be retired it’s retirement.  What kind of mental picture does this word conjure up for you — sunny beaches and no longer having to set an alarm clock? Or a stressful feeling about how much longer you will need to work to afford such a lifestyle?  And that leads to spending your time. You need leisure activities as well as activities related to your purpose or mission. And if you have a partner, then this is not just about you. I found something called The Get-a-Life Tree to be a great way of making a plan (again, not my idea, it’s from Ernie Zelinski.)

81. Soldier for Life | Army Retirement Services: A Blog about A Soldier is a Soldier for Life! From recruitment to retirement or separation and as civilians, Soldiers, Veterans and Families serve Army Strong throughout their military career and as leaders of their communities. Soldier for Life connects Army, governmental and community efforts to provide and to facilitate the successful reintegration of Soldiers, Retired Soldiers, Veterans and their Families.

82. Aging without Children Means Planning, Staying Connected: "Retirement coach Sara Zeff Geber visited several Northern California assisted living facilities to interview “solo agers” — people, either single or coupled, who don’t have children to help them as they grow older. At many facilities, she couldn’t find any. That puzzled her until she realized that adult children are often the ones pushing the move into long-term care facilities."

83. Early Retirement Extreme: This is a website and blog by Jacob Lund Fisker who, having saved most of his income while he was working, found himself financially independent at 30. A couple of years later he started the blog on and wrote a book Early Retirement Extreme to show others the way to financial freedom. Jacob says that the key is to save 75% or more of your net income and invest it in income producing assets (bonds and dividend stocks). Yes, saving 75 percent or more is a little extreme even for me. But others are doing it besides Jacob. This is done by running your personal finances much like a business, thinking about assets and inventory and focusing on efficiency and value for money.

84. ThirdAge: Health for Boomers and Beyond: (Used to be 50+ Woman's Site for a Healthy Body, Mind, & Spirit) The fastest growing age group on the internet is senior citizens. More than ever, Baby Boomers and seniors are connecting online with each other and their families.
This is where ThirdAge comes in. ThirdAge boasts newsletters, groups,
discussion boards, videos, articles, classes, games, and more designed to help females ages 50+ connect and get advice.

85. - For the Truly Adventurous: Living, working, and buying property overseas. "Living overseas is not a daunting task; as a matter of fact it is much easier to do than you might expect, and a heck of a lot of fun. You'll meet new friends, learn about another culture, you may even learn another language. You'll certainly save money, especially if you pick a nation that has a lower cost of living, and you'll avoid the crime
and disrespect that has become a sad feature of life today inside the USA and UK." Ebooks about Overseas Retirement (These aren't priced at 99 cents and they shouldn't be.)
Books & eBooks That Tell You How To Live, Retire, & Invest Overseas.

86. The Rebel with a Retirement Plan: The article called "The Rebel with a Retirement Plan" is kinda about me. I particularly like this comment:    The new rebel rejects the ordinary in the ways that matter: 
* The conformist majority is broke. The new rebel builds wealth.
* The conformist majority is obese. The new rebel takes care of their health.
* The conformist majority toils in a cubicle, endures a long commute, then stares at the TV like a glassy-eyed zombie. The new rebel maximizes life.
And because I myself am a "Debt-Free Rebel", I like this comment:       "Debt is a synonym for 'self-imposed shackles.' "

87.  TOP 10 REASONS PEOPLE GET BORED IN RETIREMENT: Boredom kicks in after just 10 months of retirement, according to Skipton Building Society research. More than half of those surveyed (54 percent) said the retirement glow wore off because they missed the camaraderie they had at the office, while around 40 percent felt they weren't being mentally stimulated enough in retirement. More than a third admitted their days had become repetitive and around 20 percent felt completely useless. A further 19% said daytime television is awful, and 24% complained the great British weather puts a stop to them getting out and about.

88. Five Must-Read Retirement Planning Websites: According to Melissa Hincha-Ownby or Mother Nature Network, "Whether you're nearing retirement or are decades away, these 5 websites can help you get on track."

89. Social Security for Retirement: When should I retire? Can I retire? The three major elements of your retirement portfolio are benefits from pensions, savings and investments, and Social Security benefits. To help you plan for retirement, this government website allows you to apply online for your Social Security.

90. Health Is the Most Important Ingredient for a Happy Retirement: New research in 2014 from Merrill Lynch, released in partnership with Age Wave, found that 81 percent of retirees cite health as the most important ingredient to a happy retirement, followed by financial security (58 percent), loving family and friends (36 percent) and having an important purpose (20 percent).

91. Personal Growth from is the most complete guide to information about Personal Growth on the Internet

92. Golden Years Are Not So Golden in Australia: A survey by Mercer reveals a significant gap between expectations and the reality of retirement. Most people are retiring close to the age of 60, with only 3 percent retiring at 70 or older. That is despite older people saying they want to work for longer. "Our research shows uncontrollable triggers can derail the best laid plans for retirement," says David Anderson, Mercer's managing director. 

93. Retirement Saving Makes One Wealthy and Healthy: People who are actively saving for retirement are more likely to care of their health than those who aren't salting away money in their nest egg, according to a study conducted by Lamar Pierce, an associate professor at Washington University, and doctoral candidate Timothy Gubler. This confirms the old adage, "People who are foolish with money are foolish in many other ways too."

94. Top 25 Quotes by Ernie Zelinski (of 119): Insofar as being quoted by others, this is a webpage that I recently discovered. It features quotations, including some about retirement, by yours truly.  I didn't know that I said all of these things — or at least I forgot that I said some of them!

95. WHY RETIREMENT IS GOOD FOR YOUR HEALTH: Retire At 55 And Live To 80; Work Till You’re 65 And Die At 67. Startling New Data Shows How Work Pounds Older Bodies by Emilyn Gil, January 16, 2019. When it comes to physical health, there is conflicting evidence on whether or not retirement affects it for the better or worse. Some studies showed a positive correlation, and others negative. But as for mental health, there is a very definite connection, and for three main reasons.

96. Americans' Biggest Regret Is Not Saving More for Retirement: American workers are more likely to regret not saving enough for retirement more than they are to regret not having been a better human being, said Diane Gallagher, vice president of Defined Contribution Investment Only Practice Management at American Century Investments. In a study, "Who's In the Driver's Seat? Participants Just Want to Ride Along,"American Century surveyed 2,031 full-time workers ages 25 to 65 who participate in their employer's retirement plan. One of the survey's major findings was that participants have a great deal of regret about their past saving behaviors.

97. Why It’s Risky to Plan to Work in Retirement: The findings in a study show that half of all retirees leave the workforce earlier than planned due to a health problem or job loss. Blue collar workers with physically demanding jobs are most susceptible to early retirement, according to conventional wisdom. New research confirms that, but it also shows at least one type of early-retirement risk is spread much more widelyacross job types than previously thought.

98. The Average American Retires at This Age (at 62): The average American retires at age 62, according to the results of a recent Gallup poll. That's up from age 59 in 2010, but it's four years younger than the age at which most non-retired Americans presently expect to retire. Gallup's retirement survey consists of two parts. In the first part, it asks current retirees what age they retired at. In the second part, it asks non-retired Americans what age they expect to retire at.

99. Health Trumps Wealth For A Happy Retirement: According to a 2015 survey done by MassMutual Retirement Services, health is more important than wealth for America’s retirees when it comes to their ability to enjoy retirement life. The study which focused on the first 15 years of retirement found that American retirees in better health are more likely to feel financially secure, enjoy retirement, and feel personally fulfilled, and are less likely to experience negative emotions than those in poorer health.

100. The Semi-Retirement Myth: "Welcome to the latest in retirement porn!," says Helaine Olen. "Don’t buy the tales of meaningful work into your 70's. Your retirement is inevitable — and bleaker than the last generation’s. Being able to work longer is not a plan. It’s a hope."

101. You Can Retire Sooner than You Think: This is a great interview with Wes Moss about the content in his book You Can Retire Sooner than You Think. Moss decided to find out what made America’s happiest retirees so happy; he also wanted to know what pre-retirees were doing to prepare for the day they stop working full-time. He came up with The 5 Money Secrets of the Happiest Retirees, which became the subtitle of the book. 


A. Moneyish on Market Watch: Features, essays, videos and news about money. You can now dive into Moneyish's award-winning content alongside Marketwatch's news reporting.

B. Four Money Traps to Avoid in Retirement: In the April 2017 issue of the AARP Bulletin Eileen Ambrose says, "Don't get tripped up if you're retired — or about to be." Eileen explains why being underwater with your home hinders your wealth, why you should save wisely now to prepare for the future, why providing for your children depletes your resources, and why constantly loosing money on mutual funds is like throwing money out the window.

C. Retirement Health in National Post: Walking Pace Is a Stronger Predictor of Death Risk than Smoking: Genes are far less important to aging well than exercise and nutrition. Middle-aged people planning to slow down in later life may want to think again after scientists found that walking pace was a better predictor of early death than smoking. A study looking at which lifestyle questions would accurately predict the risk of dying within five years found that slow walkers were at greater risk of death in the timescale than those who just smoked. The researchers believe it is because slow walking indicates serious underlying health conditions such as shortness of breath, heart problems, disability and general ill health.

D. Mr. Money Mustache: Blog: Mr. Money Mustache is the website and blog as well as the pseudonym of 44-year-old, Canadian-born blogger Peter Adeney. Adeney retired from his job as a software engineer in 2005 at age 30 by spending only a small percentage of his annual salary and consistently investing the remainder. Pete Adeney practices an extreme frugality that allowed him to retire at age 30. Avoiding car use, DIYing and investing in stock market index funds are among the tactics he and his fellow F.I.R.E. (Financial Independence Retire Early) devotees espouse.

E. MOVING FROM FINANCIAL INDEPENDENCE TO FINANCIAL FREEDOM: “You need to achieve financial independence before retirement. The reason is simple. You can lose your job at any time, and your retirement account may not be robust enough to support your family at that time. Financial independence and financial freedom are often used interchangeably. They don’t mean the exact same thing. Financial independence has to do with having enough while financial freedom has to do with having more than enough. There is a huge difference, both in mindset required and cash flow involved.”

F.  The Best Place to Retire Is Wherever You Want to Be says Ken Morris: “Clearly, there are a multitude of quality retirement destinations,” says Ken Morris, “if that’s what you’re seeking. Based on the experience with my clients, however, most end up living relatively close to their children, at least at some point during their golden years . . . Retirement may take you down many roads, but I suggest you won’t find any more beautiful or enjoyable roads than those that lead to our magnificent national parks.”

G. Don't Make These Common [Retirement] Mistakes : “One of my all-time favorite books to prepare for the mental transition to retirement is How to Retire, Happy, Wild and Free by Ernie Zelinski,” says Tammy Flanagan in an Article on the Government Executive Magazine.

H. A 2014 (updated 2017) Study Reveals The #1 Key To A Happy Retirement: Have you ever heard someone joke that if they knew they’d have lived so long, they would have taken better care of themselves? As it turns out, this is no joke. Today’s retirees tell us in no uncertain terms that the number-one ingredient for a happy retirement is, by no small margin, having your health. Sure, other things are important, like being financially secure and having a loving family and friends, but a new study reveals that health trumps all as the key factor to having a happy and satisfying retirement.

I. My Money Blog — Why Pursue Financial Freedom: Fulfilling Retirement Activity vs. Ideal Job BY JONATHAN PING L - MAY 16, 2018: “How to Retire Happy, Wild, and Free by Ernie Zelinski continues to offer smart observations on retirement. For example, when people are working, their idea of leisure is often passive: watching TV, listening to music, shopping, or eating at restaurants. However, in retirement, they need to replace all the intangibles besides money that working provided.”

J. Again, The Simple Dollar is a free resource for all things finance. Learn about budgeting, investing, credit, and more to take control of your financial destiny. Check out the The Simple Dollar Review of How to Retire Happy, Wild, and Free by Trent Hamm.

K. The secret to a happy marriage is RETIREMENT: Life has never been so good! A new study of retired Brits revealed that over two thirds of married couples in their golden years claim they are happier now than they EVER have been. A further 65 percent of retired Brits said their marriage or relationship is stronger since retirement because they now have more time to spend with each other. Over half (52 percent) said their relationship had flourished since giving up work as they no longer have to endure the stresses of office life – or the pressures of running a family home.

L. FORBES - TOP 10 REASONS PEOPLE HATE THEIR JOBS:: In a November 2016 Forbes article, the number 3 reason of the top-10 reasons why people hate their jobs was: "Their employer disregards their personal life and has no compassion for their obligations outside of work."

M. "What I Learned about Leisure Time from "The Joy of Not Working" by Ernie Zelinski: Wang Yip’s Blog: What is Wang wondering about weekly? Feb 5, 2020: I am terribly surprised that I am just reading this book now. I guess that’s the feeling that people that read a lot get when they encounter a book that surprises and delights them with insights and changes their way of thinking. The Joy of Not Working was originally published in 1991! But even as I read it in 2020, the insights and takeaways from the book apply to life now.

N. The Atlantic: Why [Working] People Get the ‘Sunday Scaries’: Way back from 1975 to 1980 when I worked as an Engineer with Edmonton Power, every Sunday around 3 or 4 PM I would start feeling uncomfortable and even fearful because I had to go to work on Monday. I never really discussed that with anyone at the time. But about 15 years later, likely 1995, the Globe and Mail had an article about the number of people who also feel that way on Sundays. Well, here is an article in The Atlantic, about 25 years after the Globe and Mail article. I didn't know it was this bad: "A 2018 survey commissioned by LinkedIn found that 80 percent of working American adults worry about the upcoming workweek on Sundays." and “Low-grade existential dread”. In short, I am so happy that I got fired from Edmonton Power 40 years ago and have not had to experience this on Sundays since then because I haven't had a regular job since then.

O. The Greatest Investment Quotes of All Time: Posted on Dollars and Data March 26, 2020 by Nick Maggiulli Wang: Nick Maggiulli Of Dollars and Data normally focuses on personal finance using data analysis. But I got quoted from my book How to Retire Happy, Wild, and Free on this webpage. It's quite flattering to me given that I am quoted with the likes of John Maynard Keynes, Adam Smith, Sir John Templeton, Isaac Newton, Richard Branson, and Warren Buffett.

O. 3 Misconceptions about Retirement in Canada: Brandie Weikle, CBC News: Posted: January 18, 2020: A 2020 report found that the reality of retirement in Canada isn't quite what people expect it to be. While nearly 30 percent think they'll be able to spend part of the year in a warmer climate, only 18 percent actually do. Only 39 percent know their retirement date at least a year in advance. The online poll revealed notable misconceptions surrounding retirement. They include the timing of that last day on the job and how Canadians actually spend their days after clocking out. As an aside, how's this for my still getting publicity for How to Retire Happy, Wild, and Free (that I first released in 2003) along with my photo!


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