Here is a single-sit read than can change the course of your retirement. Written by Dr. Teresa Ghilarducci, an economics professor, a retirement and savings specialist, and a trustee to two retiree health-care trusts worth over $54 billion, How to Retire with Enough Money cuts through the confusion, misinformation, and bad policy-making that keeps us spending or saving poorly. It begins with acknowledging what a person or household actually needs to have saved - the rule of thumb is eight to ten times your annual salary before retirement - and how much to expect from Social Security. And then it delivers the basic principles that will make the money grow, including a dozen good ideas to get current expenses under control. Why to "get rid of your guy" - those for-fee (or hidden-fee) financial planners that suck up valuable assets. Why it's always better to pay off a loan or a mortgage. There are no gimmicks, no magical thinking - just an easy-to-follow program that works.