Don't Die Broke Library Edition Author:Margaret A. Malaspina "Don't Die Broke" picks up where other retirement planning books leave off. Most people spend years saving for retirement without giving any real thought to how they can turn the money they've accumulated into lasting income. Taking charge of retirement savings can suddenly present a new and complex set of decisions: Do you accept you pension at... more » retirement in one lump sum? Would a steady stream of monthly income be wiser? Should you leave 401(k) money where it is? Could you reinvest and live off dividends? Should you roll it over to an IRA? What about the new Roth IRA? Personal finance writer and financial planning expert Margaret Malaspina takes readers through all the options and decisions that retirees will face. This guide can help everyone get the most out of what they've earned, lower their tax bills, and create a stream of income that will last for the rest of their lives. There are hundreds of books on saving for retirement and investing in retirement. This one is different. It's about the decisions people can, should, and must make when it comes time to take charge of the money they've saved. It explains all the options, their pros and cons, and offers sound advice on the right direction for different people. This is the guide that marries expert advice with practical information in an area of retirement planning that few Americans understand. It picks up where most retirement planning books leave off--and sets the standard for reader-friendly information on a complicated topic. Smart strategies for: creating a retirement paycheck that will last a lifetime; choosing the right withdrawal option; lowering the tax bill on retirement savings; avoiding dead-end or irrevocable choices; building an estate plan that preserves tax benefits for heirs; seeking professional help and additional resources.« less