Retirement Planning by the Decade: The Complete Guide to Building Wealth, Protecting Savings, and Retiring Confidently at Every Stage of Life

What works in your 20s looks nothing like what works in your 50s or 70s.Retirement planning is not a one-time decision. It is a lifelong process that changes with every decade. Most people don't get off track because they stop caring. They get off track because they don't have a clear system for knowing what to do next in the stage of life they're in right now.This book gives you that system.Written by Lynn Drayton Privette, MBA, a Ramsey Solutions Master Financial Coach and Certified High Performance Coach, Retirement Planning by the Decade was inspired by real conversations across three generations of her own family. Her parents were navigating healthcare and account consolidation. Her husband was asking whether they were truly on track. Her son was starting his first professional job with little financial education. Those experiences shaped a practical framework that meets you exactly where you are.Whether you are starting early, catching up, or confirming you are on track, this book helps you focus on the decisions that matter most right now while understanding how today's choices shape your future options.Inside, you will learn how to:• Develop seven financial habits that support long-term success at any income level• Build a budgeting and cash flow system that fuels your goals• Calculate your retirement numbers and set clear, measurable targets• Use retirement accounts and investing strategies to grow wealth with confidence• Create additional income streams and accelerate savings at every life stage• Make smarter tax decisions as rules and opportunities evolve• Turn savings into a sustainable retirement paycheck• Protect your plan through insurance, estate planning, and fraud awareness• Design a retirement filled with purpose, connection, and meaning, not just moneyOrganized for Real LifeThe book follows the way life actually happens, decade by decade:Your 20s: Foundation BuildingYour 30s: Responsibility ManagementYour 40s: Growth AccelerationYour 50s: Retirement PreparationYour 60s: Retirement TransitionYour 70s and Beyond: Legacy PlanningEach chapter ties back to seven simple, repeatable financial habits: Pay Yourself First, Mindful Money, Growth, Protection, Preparation, Learning, and Awareness. These habits make long-term progress reliable, regardless of your starting point.More Than a Numbers BookRetirement planning is not just a math problem. It is also a life design decision. Along with the financial strategies, you will learn how to plan for the human side of retirement, including identity, relationships, contribution, and purpose. Because the most fulfilling retirements are built on more than financial security.A Reference You Will Return ToThis is not a book you read once and shelve. It is a guided journey and a lifelong reference. Come back to it when you change careers, welcome a child, care for a parent, face a market shift, approach retirement, or simply want a reset. Each section includes practical tools, quick calculations, decade spotlights, and clear next steps you can act on this week.By the time you finish, you will have a clear next-step plan for your current decade and a framework you can carry forward for the rest of your life.Your financial future begins today. Find your decade. Take the next step. Read more