Written by a Senior
Bruce understands the realities of living on a fixed income because he faces many of the same financial challenges.
A Practical Guide for Seniors
The Smart Senior's Guide to Living on a Fixed Income
Practical Strategies to Save Money, Reduce Expenses, and Enjoy a More Secure Retirement
Living on a fixed income doesn't mean living a limited life!
Are rising prices making it harder to enjoy retirement? Discover practical ways to lower everyday expenses, find overlooked savings, protect your money, and make your retirement income go further.
Written by Bruce Goldwell, a 75-year-old Vietnam veteran who lives on a fixed income himself.
Get the Book on Amazon What Makes This Book Different?
Already Retired? This Book Was Written for You.
Most financial books teach you how to prepare for retirement. This one focuses on helping you make the most of the retirement you're living right now.
You don't need complicated investment strategies or unrealistic savings goals. You need practical ideas that fit your income, your expenses, and your everyday life.
That's exactly what you'll find in this 25-chapter guide.
What Makes This Book Different?
Written from firsthand experience, with practical solutions instead of financial lectures.
Focused on Today's Expenses
Learn to examine the bills, purchases, and financial decisions affecting your money right now.
Practical Actions
Discover questions to ask, expenses to review, and opportunities to investigate without complicated formulas.
More Than Cutting Costs
Explore discounts, assistance programs, and ways to make better use of what you already have.
Protects Your Independence
Learn to recognize scams, avoid financial traps, and make informed decisions about your money.
Enjoy Retirement
Discover affordable hobbies, travel, friendships, and experiences that make life enjoyable.
Features, Functions & Benefits
Every part of this book is designed to help you turn useful information into practical improvements.
Monthly Bill Reviews
Learn what to question so you can identify
unnecessary charges and possible savings.
Senior & Veteran Discounts
Learn how to ask about available offers
before making purchases.
Everyday Savings Strategies
Explore ways to manage grocery, housing,
transportation, and healthcare expenses.
Financial Protection
Recognize warning signs of scams, debt traps,
and financial exploitation.
Extra Income Ideas
Explore realistic possibilities using
your experience, interests, and skills.
Affordable Enjoyment
Find ways to travel, learn, socialize,
and pursue hobbies without overspending.
Includes a 30-Day Money Makeover!
Reading about money-saving strategies is useful. Putting them into action can make the difference.
Chapter 22 introduces the Smart Senior's 30-Day Money Makeover, featuring simple daily activities to help you:
- Review your income and regular expenses.
- Question unnecessary monthly charges.
- Discover discounts and possible savings.
- Strengthen your financial security.
- Create habits you can continue using.
There's no required savings amount. The goal is progress that fits your circumstances.
Free Smart Senior Money Toolkit
The book also introduces a free companion toolkit with printable worksheets, checklists, and savings trackers.
Use these resources to organize expenses, record money-saving discoveries, and follow your 30-Day Money Makeover.
Explore the Free Money ToolkitShare What's Working for You
Sometimes the most valuable financial tip comes from another senior who has faced the same challenge.
Bruce invites readers to share their experiences, discoveries, and practical money-saving ideas.
Join the Reader DiscussionYou can also join the conversation on X .
Your Retirement Should Be About More Than Paying Bills
One expense reduced. One discount discovered. One costly mistake avoided.
Small improvements can help you create more financial breathing room.
You worked hard for your retirement. Now discover how to make the most of it.
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