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Retire Before You're Supposed To Retire
by Bart Smith
WHY SPEND 40 OR 50 YEARS WORKING IF YOU DON'T HAVE TO? In RETIRE BEFORE YOU'RE SUPPOSED TO RETIRE!, author Bart Smith challenges the traditional retirement timetable and shows you how smarter financial decisions TODAY could help you enjoy greater freedom TOMORROW! Whether you're 18 and just starting out, 45 and playing catch-up, or approaching retirement and wondering if you've saved enough, this practical, motivating guide explores how to EARN MORE, KEEP MORE, INVEST SMARTER, PROTECT YOUR ASSETS, and BUILD YOUR OWN RETIREMENT PLAN! Discover valuable financial lessons, real-world examples, income-producing opportunities, retirement strategies, and actionable checklists designed to help you take greater control of your financial future.
WHAT YOU'LL LEARN
After reading this book, here's what you’ll walk away with:
1. RETIRE SOONER THAN YOU THINK! Discover why working 40–50 years isn't your only option and explore retirement possibilities at 35, 45, 55, 60, or beyond!
2. GET SMART ABOUT YOUR MONEY! Understand credit, debt, cash flow, net worth, borrowing, and the costly financial mistakes that could delay your retirement!
3. MAKE MORE MONEY & KEEP MORE OF IT! Explore career opportunities, side hustles, businesses, royalties, multiple income streams, and smarter spending habits!
4. PUT YOUR MONEY TO WORK FOR YOU! Learn the fundamentals of stocks, bonds, index funds, real estate, retirement accounts, compound growth, and managing investment risks!
5. PROTECT YOUR MONEY & YOUR FAMILY! Discover why emergency savings, insurance, fraud prevention, wills, trusts, and other financial protections matter!
6. BUILD YOUR OWN RETIREMENT PAYCHECK! Calculate your financial freedom number and explore retirement income, Social Security, healthcare costs, taxes, and ways to make your money last!
7. EXPLORE MY PERSONAL RETIREMENT STRATEGY! Follow my futures trading journey, discover how prop firms and funded accounts work, and learn why risk management and personally owned assets are central to my bigger plan!
8. CREATE YOUR FINANCIAL FREEDOM ROADMAP! Develop realistic 30-, 60-, and 90-day action plans, set long-term financial goals, and prepare to ENJOY LIFE when working becomes optional!A clear understanding of the most common money mistakes people make ...
PREVIEW THIS BOOK
Take a quick look inside Retire Before You're Supposed To Retire! by Bart Smith and discover why working 40 or 50 years doesn't have to be your only option! This short video tour walks you through the book's seven parts, covering smarter money management, increasing your income, saving, investing, protecting your assets, and creating your own retirement roadmap. Watch and discover practical ideas that could help you take greater control of your financial future and start planning to RETIRE SOONER AND ENJOY LIFE MORE!
BOOK CONTENTS
Browse the table of contents of Retire Before You're Supposed To Retire! by Bart Smith and explore the seven major parts designed to help you take greater control of your financial future. From understanding money, increasing your income, saving, investing, and protecting your assets to building your own retirement paycheck and creating a personalized financial freedom roadmap, each section offers practical lessons, real-world examples, and actionable strategies. The book's easy-to-follow structure allows you to explore the topics most relevant to your situation and discover opportunities to RETIRE SOONER, WORRY LESS ABOUT MONEY, AND ENJOY MORE OF YOUR LIFE!
BEFORE WE BEGIN
A Message From The Author: Why I'm Not Waiting Until I'm Supposed To Retire!
Why I Wrote This Book (Who Needs To Read It?)
How To Use This Book
20 Financial Wake-Up Calls! (Don't Wait Until It's Too Late!)
PART 1:
RETIRE ON YOUR OWN TERMS!
The 40–50-Year Question: Why Wait To Retire?
Financial Freedom: When Work Becomes Optional
My Road To Bart-Security! Business, Money & Choice
Your Age, Your Options: Retirement At 35, 45, 55, 60 & Beyond
PART 2:
GET SMART ABOUT YOUR MONEY!
Money 101: Financial Terms Every Adult Should Understand
Cash Flow, Net Worth & The Truth About Your Finances
Credit, Debt, Student Loans & The Cost Of Borrowing
College, Trade School Or Another Path? Make Smart Decisions!
PART 3:
MAKE MORE MONEY & KEEP MORE OF IT!
Increase Your Earning Power: Skills, Careers & Opportunities
Start Something! Side Hustles, Businesses & Income Ideas
My Income Wheel: Products, Services, Royalties & Multiple Income Streams
Keep More Of What You Earn: Spend Smart, Save & Pay Yourself First!
PART 4:
PUT YOUR MONEY TO WORK!
Investing Without The Mumbo-Jumbo: Stocks, Bonds, Funds, Real Estate & More
Compound Growth, Inflation, Diversification & Managing Risk
Retirement Accounts Explained: 401(k)s, IRAs, HSAs & Tax Advantages
Protect Your Money & Family: Emergencies, Insurance, Fraud, Wills & Trusts
PART 5:
BUILD YOUR OWN RETIREMENT PAYCHECK!
How Much Money Do You Need? Find Your Financial Freedom Number!
Get Paid Without Working Every Day: Interest, Dividends & Retirement Income
Retiring Early: Healthcare, Social Security, Taxes & Accessing Your Money
Make Your Money Last! Withdrawals, Inflation, Market Crashes & Longevity
PART 6:
MY PERSONAL RETIREMENT STRATEGY!
Why I Decided To Learn Futures Trading
Futures Trading, Prop Firms, Evaluations & Funded Accounts Explained
Losses, Drawdowns, Risk Management & The Realities Of Trading
My Bigger Plan: Turn Trading Profits Into Personally Owned Retirement Assets
PART 7:
YOUR PERSONAL RETIREMENT & FINANCIAL FREEDOM ACTION PLAN!
Your Financial Reality Check: Where Do You Stand Right Now? (Here's Where & How!)
Your Financial Dream Team! Professionals, AI Tools & Resources To Help You
Your Retirement Roadmap: 30, 60 & 90 Days (Then 1, 3, 5 & 10 Year Plans!)
Retire Early, Then Do What?! Create A Life Worth Living! (Here Are Some Creative Ideas For You!)
PLUS!
Summary & Words Of Encouragement (From Bart Smith)
Your Ultimate Retirement Action Checklist!
About The Author
Bart's Other Books
BOOK EXCERPTS
Read a few excerpts from Retire Before You're Supposed To Retire! and discover practical ideas for earning more, saving smarter, investing wisely, and building a stronger financial future. Each excerpt explores real-world financial decisions, retirement possibilities, and opportunities to take greater control of your money and your life. These samples will give you a taste of the book's valuable lessons and inspire you to start planning for FINANCIAL FREEDOM AND AN EARLIER RETIREMENT!
AUDIO EXCERPTS
Prefer to listen? Check out audio excerpts from the book and hear these retirement insights in a clear, conversational format. You can listen here for FREE on Bart's YouTube channel. Simply subscribe (for FREE) and start listening! It’s an easy way to absorb the material while on the go.
RAVE REVIEWS
"What I enjoyed most about this book is how it challenges the idea that everyone has to work until they're 65 or older. It encourages you to think differently about your money, your time, and what you really want out of life. Practical, motivating, and definitely worth reading!"
— Michael R., Scottsdale, AZ
"I've read several personal finance books, but this one really got me thinking about my long-term goals. The chapters are easy to follow, the examples are relatable, and the checklists encourage you to actually do something with what you've learned. A great resource for anyone who wants to take retirement planning more seriously."
— David T., Columbus, OH
"This book covers so much more than saving for retirement. From earning additional income and controlling expenses to investing and protecting your financial future, there's something useful in nearly every section. I especially appreciated the straightforward explanations and actionable advice."
— Jennifer M., Charlotte, NC
"What makes this book different is its emphasis on enjoying life, not just accumulating money. It reminds you that financial freedom is about having more choices and spending your time doing what matters most. An inspiring read that encourages you to start planning today instead of putting everything off until someday."
— Susan K., Tampa, FL
AUTHOR MESSAGE
I wrote RETIRE BEFORE YOU'RE SUPPOSED TO RETIRE! because I'm genuinely concerned about how many people spend their entire working lives earning money, paying bills, buying things, and barely putting anything aside for their later years. Millions of people are approaching retirement with little savings, mounting debt, and no real financial plan. Some are counting on Social Security to save the day, while others are simply hoping everything will somehow work out. HOPE IS NOT A RETIREMENT PLAN! I believe far too many people are working harder than ever, yet failing to build the financial security they deserve. And that's a problem we need to start addressing TODAY!
I'm equally concerned about younger generations who have one of the greatest financial advantages imaginable: TIME! Someone who's 20, 25, or 30 years old has decades to save, invest, develop income-producing skills, and potentially benefit from the incredible power of compound interest. Yet too many young people are pissing away those valuable years on unnecessary purchases, expensive lifestyles, bad financial habits, and the mistaken belief that retirement is something they'll worry about when they're older. BIG MISTAKE! You can always find ways to make more money, but you cannot go back and reclaim 10, 20, or 30 years of missed financial opportunities. Those years are gone forever!
That's why I put this book together. I wanted to create a practical, easy-to-understand guide that challenges conventional thinking about money, work, and retirement. Inside, I discuss earning more, keeping more of what you earn, managing debt, investing, protecting your assets, creating multiple income streams, and developing your own personal retirement strategy. My philosophy is simple: EARN IT. KEEP IT. GROW IT. PROTECT IT. LIVE OFF IT! You don't have to be wealthy to start making smarter financial decisions, and you certainly don't have to know everything about money to begin improving your situation. What you do need is the willingness to learn, take action, and stop putting your financial future on the back burner.
Most importantly, I want you to understand that RETIREMENT ISN'T JUST ABOUT MONEY. IT'S ABOUT FREEDOM! Freedom to travel, spend time with family, pursue hobbies, start a business, volunteer, explore the world, or simply wake up in the morning knowing your time belongs to YOU. Maybe you'll retire at 40, 50, 60, or later. Maybe you'll continue working because you genuinely love what you do. That's your decision! My goal is to help you build enough financial independence that working becomes more of a CHOICE instead of a NECESSITY. Because at the end of the day, you weren't put on this earth just to work, pay bills, and die. YOU WERE MEANT TO LIVE!
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