Work Less, Live More


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About the Author

Bob Clyatt combines experience and insight to bring you this leading book on early retirement advice. Bob s extensive education in finance and economics, including degrees from Berkeley and MIT where he studied under leading Nobel-prize winning economists, combine with his artist s idealism to forge a unique blend of pragmatism and vision for the long-term retiree. After 20 years in the business world, including founding two start-ups sold to public companies, Bob left full-time career work at age 42 to re-connect to his family, his sanity, and pursue a cherished dream to write and create art. To convince himself that he was not irresponsibly risking his family s well-being he immersed himself in the early retirement literature and finance, interviewing hundreds of others on the path and contributing innovative research to safe withdrawal studies and long-term investing strategies tailored to the needs of early retirees. He clarified and advocated the 4%-of-principal withdrawal (as opposed to an initial 4% rising by inflation in subsequent years) coupled with his 95% Rule which are becoming mainstream thinking for long term retiree finance. He also was the first to actively advocate semi-retirement (as differentiated from early retirement) both for its role securing retirement finances as well as for keeping long term retirees mentally engaged and constructive, without the stresses of overwork. Bob and his family have lived richly by the principles in his book now for over 15 years, and he remains in active dialog with early retirees worldwide, absorbing their lessons and offering guidance. Interviewed on TV and in magazines from Smart Money, Forbes and Business Week to Dow Jones, CNN/Money and the Motley Fool, Bob s advice continues helping thoughtful readers to plan and live out a safe and rewarding early retirement, now and for the decades ahead.


Sections on developing a retirement portfolio and a withdrawal strategy are certainly valuable for those who have already retired.--Lynn O'Shaughnessy (01/01/2009)

Terrific advice on how to safely reach semi-retirement while still in the prime of life.--Mark Goines (01/01/2009)

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