- Help Your Children
- Assist Your Parents
- Be Better Prepared for Emergencies
- Fund Primary and Secondary Properties
- Refinance Credit Card Debt
- Enhance the Impact of Your Charitable Giving
- Finance Hobbies
- Leave a Greater Legacy
Table of Contents
A Better Path
What is a debt-inclusive philosophy and will it work for you as you prepare for retirement?
Debt in Retirement
Conventional wisdom is wrong! Virtually everyone says debt is bad. It’s time to reframe the conversation.
Why and Whether to Adopt a Holistic Debt-Inclusive Approach in Retirement
Don’t wing it – embrace the “whole chicken” approach. Identify the three different types of debt and how some can work against you while others can work for you.
Returning to the Return You Need
Figure out how much money you need in retirement and learn how strategic debt may help boost your return.
The Power of Debt Meets Our Ridiculous Tax Code
$5.5 million net worth, $240,000 Income, and $4,000 in Taxes? Meet the Websters and see how debt helped them pay almost no taxes in retirement.
Risk Matters More Than Return
Your needs should help determine your risk. And debt can potentially reduce that risk.
The World is Full of Risk—Especially Now
How the allocation of your assets plays a key role in complementing your use of debt. Above all else – liquidity, liquidity, liquidity!
The Sooner the Better
Calculate your optimal debt ratio and put yourself on the glide path to retirement.
Bringing it all together and putting a debt strategy in action.
Leaving a Legacy
Make the most of your charitable giving and what you leave behind for your heirs.
Managing the ROI of Retirement
The importance of connecting your resources, personal goals, and real world concerns as you build your retirement plan.
How to Help Your Family and Buy the Stuff You Want and Need—A Reference Guide
From your kids’ student loans to your parents’ move to an elder care facility, learn from real-life situations how strategic debt can help pay for what others need and what you need.
"Tom Anderson has skillfully addressed a difficult topic, namely how to make the case for the prudent use of debt by individuals in the context of wealth building and retirement planning. This task is not an easy one because, as the author notes, most individuals (and companies) are not really competent to use debt in a measured and prudent fashion. For those individuals, however, with the discipline and intelligence to use debt as a means of adding liquidity and leverage to a well-managed financial plan, this book is an invaluable guide that will inspire and enlighten its readers."Christopher Whalen - Author, "Inflated: How Money and Debt Built the American Dream (Wiley, 2010)
"If you are retired, get your hands on the book. It will open your eyes, especially if you have a puritanical aversion to debt."William Baldwin, Forbes
"Controversial but nonetheless persuasive, Thomas J. Anderson’s book The Value of Debt in Retirement warns readers that debt, even the “enriching” variety, is not for everybody. But if you can handle the emotional and financial challenges of later-in-life debt, he says there is a way to “borrow smart” to increase your portfolio and liquidity -- and your tax deductions."Eleanor O'Sullivan, Financial Advisor Magazine
"Anderson, a wealth management advisor, discussed with me how the right kind of debt can help complement one’s assets. His book offers a bold point-of-view on debt as being a strategic asset in the management of individual and family wealth. "Casey Dowd, FoxBusiness.com