Let’s face it, planning and saving for retirement is not easy. We are told that the earlier we start, the better and that the “magic of compounding” will make our dreams come true if we simply trust the stock market and our investment advisor.

But for most people it’s simply not possible. People in their twenties are often saddled with student debt and may be struggling to find suitable full-time employment. Saving for retirement is the last thing on their minds, as it should be.

Then in our thirties and forties we tend to do things like get married, have kids, and buy houses. All these things cost a lot of money! So for many people there simply isn’t any money left to put away for retirement. Therefore many of us become procrastinators when it comes to saving for retirement.

But there is hope. This book will take you step-by-step though planning and saving for retirement starting in your fifties and the best way to fund your retirement years. It is designed for people approaching retirement who want to ensure it is comfortable and stress-free.

David Trahair is a Chartered Accountant, speaker and author of five books on personal financial issues. Two of his books are National Bestsellers – the one you are holding and Enough Bull: How to Retire Well Without the Stock Market, Mutual Funds or Even an Investment Advisor. He is a straight shooter able to explain the often-confusing world of personal finance in plain English. Canadians appreciate David's no-nonsense style and the fact that his views are totally independent. There are no sponsors behind the scenes shaping what he says and he does not sell any financial products. David says and writes what he wants to – unfiltered advice for the hard-working Canadian. David currently operates his own public accounting firm and gives half- and full-day seminars on his books to CAs in B.C., Alberta, Saskatchewan, Manitoba and Ontario. He has also delivered seminars to the Certified Management Accountants of Ontario (CMAs) and the Certified General Accountants of Ontario (CGAs). He belongs to the Canadian Institute of Chartered Accountants (CICA) and the Institute of Chartered Accountants of Ontario (ICAO). He is a frequent speaker, appears regularly in the media and contributes regularly to financial publications. He is also a former director of Credit Canada, a non-profit organization dedicated to helping people deal with credit problems. His website is www.trahair.com.

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