SKU: 77263987937

The Value of Debt in Retirement: Why Everything You Have Been Told Is Wrong

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The Value of Debt in Retirement: Why Everything You Have Been Told Is WrongIncrease the odds you won't run out of money in retirement using debt Conventional wisdom is wrong being debt free in retirement may actually increase your risk. The Value of Debt in Retirement teaches you how incorporating debt into your retirement strategy may increase your return, lower your taxes and actually lower your risk. You read that right. If handled correctly, debt that thing we've all been taught to avoid can play an integral role in your

Increase the odds you won't run out of money in retirement - using debt

Conventional wisdom is wrong - being debt free in retirement may actually increase your risk. The Value of Debt in Retirement teaches you how incorporating debt into your retirement strategy may increase your return, lower your taxes and actually lower your risk. You read that right. If handled correctly, debt--that thing we've all been taught to avoid--can play an integral role in your life, especially in retirement. New York Times Best Selling Author and nationally acclaimed financial expert Tom Anderson shows you how to use the time tested strategies of the best companies and the ultra rich to retire comfortably, minimize taxes, buy the things you have always wanted to have and do the things you have always wanted to do.

Thought provoking and against the grain, Anderson explains why your risk tolerance doesn't matter, why being debt free may actually increase your risk and why rushing to pay off your mortgage may be a financial disaster. Full of shocking revelations and tricks high- net-worth individuals have used for years, The Value of Debt in Retirement opens the world to a new approach to wealth management in retirement, one that factors in both sides of the balance sheet as an integrated ecosystem.

Real-world case studies illustrate how informed debt strategies can lead to a happier, healthier retirement. See how an individual with a net worth of more than $5 million can spend $20,000 per month - after taxes - and pay less than $5,000 per year in taxes, how it is possible to increase your rate of return by 50%, and how a lower risk portfolio with debt could increase the chances you do not run out of money.

Specifically written to Baby Boomers, practical guides and checklists show how to use debt strategies to fund primary and secondary properties, refinance credit card debt, and finance hobbies, such as cars and boats and recreational vehicles. Additional guides show how you can help your children, help your parents and leave a bigger legacy for your heirs and favorite charities. Regardless of your net worth, The Value of Debt in Retirement provides tools to use to apply these concepts to your personal situation.

There is no free lunch: the book delivers a balanced perspective focusing on the potential risks and benefits of the strategies discussed. A discussion on economic history highlights some of the shocks the economy may face and provides important warnings that you should factor into your retirement plan. Anderson not only shows that your life expectancy may be longer than you think, but also illustrates that many investors may be on track to average returns well under 4% for the next ten years - a potentially devastating combination. Irrespective of your beliefs about debt, The Value of Debt in Retirement proves risk is more important than return for retirees and provides suggestions on ways to minimize that risk.

Not all debt is good and high levels of debt are bad. The Value of Debt in Retirement is about choosing the right debt, in the right amounts, at the right time. Perhaps most importantly, this book isn't for everybody. This book requires responsible actions. If you can't handle the responsibility associated with the ideas then this book then it isn't for you. If you need a rate of return under 3% from your investments then you may not need this book. But if you can handle the responsibility and if you need a return above 3%, this book may offer insights into the best (and potentially only) way to achieve your goals.



Binding Type: Hardcover
Publisher: Wiley
Published: 03/16/2015
ISBN: 9781119019985
Pages: 336
Weight: 1.10lbs
Size: 9.10h x 6.20w x 1.10d
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SKU: 77263987937

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4.8 ★★★★★
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Maria Peters
Alexandria, US
★★★★★ 5
Durable & Leather. For Small-Medium Dogs
Size: 15 in, Color: Retriever, Size: 15 in, Color: Retriever
This is a great dog toy! My Pomeranian is a small guy at only 8lbs. but he sure knows how to chew and he does it as often as he can. I was throwing out toy after toy because he was tearing them to pieces after only a half hour or so. After putting my money in the garbage so many times, I decided to search for toys that would hold up to his destructive mouth. I found a lot that claimed they wouldn't fall apart but they were all more than I wanted to spend. I came across this toy and a rabbit shaped one just like this. I bought both months ago and both are still in tact after all this time. Sure the edges are a little frayed but other than that, no damage whatsoever! I'm not sure what dura fused means but that seemed promising to me when I was reading the description, also the fact that they're leather made them seem more durable to me. Both have squeakers inside and some sort of stuffing as well. I throw all of my dogs toys in the laundry or hand wash them once a week, except for these. When these toys get wet with my dogs saliva, they look like they're not meant to get wet. Even without washing, these seem fine. This toy is probably about 9" long or so if I had to guess. In my opinion, it'd be perfect for a medium sized dog. It's a tiny bit big for my little guy but he manages just fine! If you're looking for a durable toy that your small to medium dog can chew on constantly, look no further!
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Reviewed in the United States on February 3, 2020
G
Verified Purchase
GK5040
Carnegie, US
★★★★★ 5
Always looking for less destructible dog toys
Size: 8 in, Color: Squirrel, Size: 8 in, Color: Squirrel
I am constantly searching for aggressive chewer dog toys. So many claim to be and one look and you know they haven’t met your dog!! Our golden retriever is so sweet until he gets his claws and teeth into a new toy. We nicknamed him the shredder, as he rips his new toys to pieces. I accidentally stumbled across this toy. We have never owned a leather dog toy. The squirrel is going to give Maverick a run for his money. The edges are double sewn closed. I am very impressed with the quality of this toy for $5.75 which includes the sales price and an additional 10% off coupon. Even without those two incentives the toy is less than $8 prime. The other shapes are similar or cheaper in price and now I see a 50% off 1 toy coupon when you buy 2. What a deal and the squirrel has a squeaker inside. What I like about the squirrel is that there’s less limbs or appendages for Maverick to shred off. The bunny has ears, the raccoon has hands, the buffalo has legs, the bone and retriever stick have a rope, the bear has a neck and head that could be chewed off, similar to the fox who has a tail and snout. The squirrel looks like it would be harder to destroy! The squeaker was hard to push at first but is easier now. Maverick has a black lab sister who loves squirrels, more so than she loves toys, and I found this toy searching for squirrel toys for her. It is offered in 8 other shapes. The squirrel measures almost 8” tall by 5” wide. It’s perfect for a medium or large size dog. Based on the construction of this squirrel dog toy it looks acceptable for an aggressive chewer and won’t break the bank. It’s very affordable. Always supervise! Updates to follow at Christmas:). BTW, the squirrel did not smell bad upon opening.
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Reviewed in the United States on December 3, 2024
C
Verified Purchase
Cakirsch
Lexington, US
★★★★★ 4
Puppy loves it. Well built and fun for her to play with.
Size: 15 in, Color: Retriever
My double doodle mix loved this toy. It is well made and she loves the different texture of the rope. Sadly she has already torn the rope apart and so now it’s just the leather part. This would be the perfect toy for non agressive chewers. Wish the rope lasted a little longer. SPOT is my new favorite company to get her chew toys from now. They’re well built and aren’t expensive like all the other dog toys out there.
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Reviewed in the United States on June 30, 2025
K
Verified Purchase
KAV
Pawtucket, US
★★★★★ 2
Destroyed in under 10 minutes
Size: 9 in, Color: Large Bone
I bought 2 of these toys, one for my 9 year old great dane who isn't an aggressive chewer, and one for my 6 month old puppy who is average. In less than 10 minutes both were destroyed and my dane managed to swallow a good chunk. I wasn't surprised when they both had small holes on the ends and started pulling the stuffing out. The stuffing and squeakers were confiscated immediately, but I let them keep chewing. By the time I came back from throwing the insides away, both dogs had chewed the toys in half and my dane swallowed a chunk when he saw me coming. The puppy was going to do the same thing, but luckily we're working on his "drop" command so he was excited enough for the bigger payout and dropped it. They didn't just come apart at the seams, the whole toy ripped in half making it too easy to swallow. Neither of them are aggressive cheers and the toys didn't hold up at all. A stuffed animal toy would have lasted longer (and has any time I've allowed it). 10 minutes of playtime is probably too generous , but I'm trying to be fair. If I hadn't been right there watching them, they both would have been able to swallow the whole thing in minutes. Definitely not safe for any amount of actual chewing.
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Reviewed in the United States on November 14, 2025
S
Verified Purchase
Skylaire
San Leandro, US
★★★★★ 5
The perfect teething toy for a puppy of any size - apparently indestructible!
Size: 9 in, Color: Large Bone, Size: 9 in, Color: Large Bone
I ordered this product for an overly excitable, destructive corgi chihuahua mix puppy, who was teething. He was a foster and managed to destroy, almost immediately, every toy I had on-hand for him, and toys I picked up at the local pet store. I was very concerned he'd swallow parts of toys, which can lead to fatal intestinal blockages, not to mention extremely high vet bills which I couldn't cover as a simple foster mom. When it arrived, I crossed my fingers that the "Seam Protection - doubled-stitched seams with heavy duty thread" would actually add "extra durability." And I was NOT disappointed! The bone shape of the toy would probably fit comfortably in the mouth of any dog or puppy, as you can see from photo #4. What's coolest about the shape of this toy is the pup can sink all of his or her teeth into it, providing comfort for the entire mouth and not just a few teeth or only one section of its mouth at a time. I was much more experienced as a kitten foster mom, and had had similar difficulties finding teething toys for kittens. This toy is thin and light weight enough that I imagine it could provide relief for little kitten mouths, also, but I didn't get to find out, as my little foster pup chose this as his #1 favorite toy and brought it with him to his forever home. I wanted to know how long it would take before he'd destroy it, though (picture 5 he'd had this Dura-Fused bone toy for a few hours short of one week, and the last photo - you'll see he'd not even undone a small portion of the seam!) Overall I would highly recommend this product for teething babies of almost any species. As far as I could tell it is indestructible. Almost seven days of constant gnawing and he'd not even taken one stitch out, created any tear or rip, let alone, gotten close to being able to swallow the squeaker (always a fear!). I imagine months later, he's still been unsuccessful at ripping/tearing this toy at all. I'd gladly buy again should I foster any dog or puppy - the company lives up to its moniker, Ethical Products, because they've produced a no-frills and apparently indestructible squeak toy which I'd have no fears of leaving with a teething puppy unsupervised. Highly recommended!
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Reviewed in the United States on November 28, 2020

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