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The value of debt in retirement why everything you have been told is wrong

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The value of debt in retirement why everything you have been told is wrong

The New York Times bestselling a The Value of DebtWhy Everything You Have Been Told Is Wrong----THE----value----OF---—DEBTRETIREMENTTHOMAS J. ANDERSO

The value of debt in retirement why everything you have been told is wrongONWileyThe Value of Debt in Retiremer hHPs wt,t'o(huựien comWhy Everything You Have Been Told Is WrongThomas J. AndersonWileyCover design: WileyCopyri

ght © 2015 by Thomas J. Anderson. AH rights reserved.Published by John Wiley & Sons, Inc.. Hoboken. New Jersey.Published simultaneously in Canada.No p The value of debt in retirement why everything you have been told is wrong

ari of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopy

The value of debt in retirement why everything you have been told is wrong

ing, recording, scanning, or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act. without either the prior

The New York Times bestselling a The Value of DebtWhy Everything You Have Been Told Is Wrong----THE----value----OF---—DEBTRETIREMENTTHOMAS J. ANDERSO

The value of debt in retirement why everything you have been told is wrongsewood Drive, Danvers. MA 01923. (978) 750-8400. fax (978) 646-8600. or on the Web al www.c0p5righl.com. Requests to the Publisher for permission shou

ld be addressed to the Permissions Department, John Wiley & Sous. Inc., Ill River Sheet. Hoboken, NJ 07030, (201) 748-6011, fax (201) 748-6008, or onl The value of debt in retirement why everything you have been told is wrong

ine at www.wilcv.comgo /pel-missions.Limit of I.iability/Disclaimcr of Warranty: While the publisher and author have used their best efforts in prepar

The value of debt in retirement why everything you have been told is wrong

ing this book, they make no representations or warranties with respect to the accuracy or completeness of the contents of this book and specifically d

The New York Times bestselling a The Value of DebtWhy Everything You Have Been Told Is Wrong----THE----value----OF---—DEBTRETIREMENTTHOMAS J. ANDERSO

The value of debt in retirement why everything you have been told is wrong or written Sides materials. The information in individual chapters of this book is to be considered in a holistic way as a part of the book and not t

o be considered on a stand-alone basis. This includes, but is not limited to. the discussion of risks of each of these ideas as well as all of the dis The value of debt in retirement why everything you have been told is wrong

claimers throughout tile book. The advice and strategies contained herein may not be suitable for your situation. The material is presented with a goa

The value of debt in retirement why everything you have been told is wrong

l of encouraging thoughtful conversation and rigorous debate on the risks and potential benefits of the concepts between you and your advisors based o

The New York Times bestselling a The Value of DebtWhy Everything You Have Been Told Is Wrong----THE----value----OF---—DEBTRETIREMENTTHOMAS J. ANDERSO

The value of debt in retirement why everything you have been told is wronge Hable for any loss of profit or any other commercial damages, including but not limited to special, incidental, consequential, or other damages.For

general information on our other products and services or for technical support, please contact our Customer Care Department within the United States The value of debt in retirement why everything you have been told is wrong

at (800) 762-2974. outside the United States at (317) 572-3993. or fax (317) 572-4002.Wiley publishes in a variety of print and electronic formats and

The value of debt in retirement why everything you have been told is wrong

by print-on-demand. Some material included with standard print versions of this book may not be included in e-books or in print-on-demand. If this bo

The New York Times bestselling a The Value of DebtWhy Everything You Have Been Told Is Wrong----THE----value----OF---—DEBTRETIREMENTTHOMAS J. ANDERSO

The value of debt in retirement why everything you have been told is wrong-.com■ For more information about Wiley products, visit www.wiley.com.Library of Congress Cataloying-in-Publication Data:Anderson, Thomas J. (Certifie

d investment management analyst)The value of debt in retirement: why even thing you have been told is wrong / ’Ihomas J. Anderson, pages cmIncludes bi The value of debt in retirement why everything you have been told is wrong

bliographical references and index.ISBN 978-1-119-01998-5 (hardback); ISBN 978-1-119-02001-1 (epdf): ISBN 978-1-119-02000-4 (epub) 1. Finance, Persona

The value of debt in retirement why everything you have been told is wrong

l. 2. Retirement—Planning. I. Title.HG179.A5597628 2015332.7081 '6—dc232014049407This book is dedicated to two very special sets of retirees who have

The New York Times bestselling a The Value of DebtWhy Everything You Have Been Told Is Wrong----THE----value----OF---—DEBTRETIREMENTTHOMAS J. ANDERSO

The value of debt in retirement why everything you have been told is wronggmentsIntroductionCaution; You Could Burn Your House Down Baking a Cake!Notes

The New York Times bestselling a The Value of DebtWhy Everything You Have Been Told Is Wrong----THE----value----OF---—DEBTRETIREMENTTHOMAS J. ANDERSO

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