The New Retirementality, Fourth Edition: PlanningYour Life and Living Your Any Age YouWant
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More About This Title The New Retirementality, Fourth Edition: PlanningYour Life and Living Your Any Age YouWant


Stop making a living and start making a life with The New Retirementality

When Mitch Anthony first presented the concept of a new way of thinking about retirement in 2000, it was novel and many critics didn't buy into it. Originally written to get the attention of baby boomers who were approaching 55, Mitch started a revolution by showing people why they needed to have a new attitude about retirement–a "new retirementality." More than a decade later, most of us are facing a very different retirement reality than previous generations–failing pensions, an endangered social security system, and inadequate savings. We have been forced to face the reality of a retirement that may never happen, or one that will take place much later in life than ever expected.

Circumstances are redefining what it means to retire, and The New Retirementality, Fourth Edition is your roadmap. While most books focus on a "number," this reliable resource shows you that attitude is also an essential part of the equation–if you want to succeed you need both means and meaning.

  • Includes new research and studies on the latest retirement realities, as well as introduce readers to Mitch's newest concept, investing toward a greater Return on Life™
  • Discusses what it means to retire on purpose, the expanding role of work in retirement, and how to self-direct your future by becoming your own benefits director
  • Written by top financial planner Mitch Anthony

Filled with engaging anecdotes and inspirational suggestions, this book will motivate you to rethink the meaning of retirement and put you in a better position to enjoy the new retirementality you deserve.


MITCH ANTHONY is the founder and president of, a consulting firm that works with financial services organizations to promote transparency between advisors and their clients. He is a popular speaker and host of The Daily Dose, a radio program heard on stations nationwide. A go-to source for the media, Anthony has been quoted in The Wall Street Journal, Kiplinger's Personal Finance, and The New York Times. His RetireMentors column appears regularly on CBS Anthony is the recipient of Financial Planning magazine's "Mover & Shaker" award for his pioneering work in retirement and financial life planning.


Preface xi

Acknowledgments xiii

Chapter 1 A Short History of Retirement 1

Crossing the Bridge 7

Chapter 2 Removing Artificial Finish Lines 9

Motivated by Autonomy 12

Illusions, Delusions, and Hype 15

Chapter 3 The New IRA—Individual Retirement Attitude 17

Assume You Will Work Longer 20

Assume You Will Live Longer 20

Assume That There Will Be Improvisational Challenges 22

Chapter 4 Money Is Only Part of the Equation 25

Where from Here? 27

Chapter 5 Retirement Whiplash: Be Careful of What You Wish For 37

Unexpected Segues 38

Sudden Retirement Syndrome 39

Freakonomics 40

For Better or Worse but Not for Lunch 42

The 19th Hole 42

Disability 43

Bore-dumb 44

The Oops Factor; Rearview Mirror 46

Chapter 6 The Retirement that Works 49

Reinventing Retirement—New Pathways 50

Retirement Planning that Works 52

Chapter 7 The Real Meaning of Work 59

Brain at Work 61

Invest in Who You Are 63

Working Benefits 64

Collecting a Playcheck 65

Chapter 8 Extending Your Stay by Staying on the Edge 69

Staying in Your Zone 70

Yes Sir, Kiddo 71

Ageism on the Radar 73

The Teaching Bridge 74

Advantages of Underemployment 75

EntreMature 76

Chapter 9 A New Mind-set: Retire on Purpose 81

“I’m Done” 82

“I Have To” 82

“I’m Inspired” 83

Meaningful Pursuits: A Midlife Crisis Gone Horribly Right 84

Challenge Your Body, Mind, and Spirit 87

Refuse to Be Defined by Age 88

Enduring Attitudes 91

Chapter 10 The New Meaning of Re-tired: Your Next 100,000 Miles 95

New Spin on Re-tiring 96

Chapter 11 Redefining Rich: Bridging the Gap between Means and Meaning 107

The Seven Intangibles 110

The Stewardship of Money 116

Chapter 12 Moving from ROI to ROL (Return on Life) 119

A New Measure of Success: ROL 121

The Money/Life Puzzle 123

The Core of Financial Planning—Life at the Center 124

Issues for Our Middle Years and Beyond 126

Chapter 13 The Waiting Game: Navigating Social (In)Security 129

Risky Business 133

Learn to LIVE in Retirement 134

Chapter 14 Maslow Meets Retirement 139

Our Hierarchy of Financial Needs 142

Paying the Bills 147

Chapter 15 Calculating Income for Life 149

Paying for Survival 150

The Good Old Days 150

Safety Money 153

How Much Risk? 155

Freedom Money 156

Money to Give 158

Dream Money 162

Paying for Your Life 165

Chapter 16 Don’t Go It Alone 167

I Don’t Always Know What I Don’t Know 168

We Are Tempted to Follow the Crowd 169

Individual Investors Underperform 169

Managing Money Is Time Consuming and Stressful 170

Finding a Wealth-Building Partner 171

A Personal Safety Net 174

Chapter 17 From Aging to S-aging 177

A Sense of Mastery 179

The Vitamin Cs of Successful Aging 180

Pumping Iron at 80 185

The Soul of Accelerated Aging 186

Appendix Retiring on Purpose: A conversation about making this the most meaningful stage of life yet 189

Notes 195

About the Author 201

Index 203