Book excerpt: Retirement isn’t what it used to be. This practical guide shows you how to avoid outliving your money—or your meaning. Longer life expectancy and increasing intellectual capital have transformed our notion of “the golden years.” Often we’re just not ready for a life without work. We want to stay productive (whatever that means to us) well into the future—and for baby boomers and the following generations, that future is closer than we think. The Encore Curve examines two crucial questions—“Now what am I going to do?” and “Will I have enough money?”—and guides you toward the answers, with smart tools and unique coaching methods to help you find and fund your retirement goals, and create your memorable “encore.” It helps equip you, both emotionally and economically, to define the next phase of your life. With the Peace of Mind Investor Process from Andy Raub—a financial advisor and investment manager with thirty years’ experience—and simple, insightful exercises, you can determine your priorities and design your own fulfilling, worry-free retirement. Learn how to: - Refocus your life and put first things first - Organize your finances and build a spending plan - Assess your risk and recovery options - Avoid mistakes as you adjust to the new rules of the game - Manage finite funds in the face of increasing costs - Devise a contingency plan for sudden life changes - Match your money to your dreams - Make your future bigger than your past Retirement isn’t just a finish line—it can be a starting point. When you ask yourself the right questions, face the tough choices, and put the pieces together, you’ll be ready for your encore. "I am glad that there are people like Andy in the world who are bringing peace, abundance, and meaning into our lives."—Jack Canfield, cocreator of Chicken Soup for the Soul