1. It Starts With Your Reality
You won't be told to build a million-dollar retirement account or save a percentage of income you simply don't have available.
Instead, you'll learn to work with your actual income, expenses, needs, and priorities.
Why This Book Is Different
Not Another Book About Saving for Retirement
Most retirement books tell you how to prepare for retirement. But what happens when you're already retired and need to make the income you have work better right now?
This book starts where other retirement books often stop.
The Smart Senior's Guide to Living on a Fixed Income focuses on the financial decisions seniors face today: rising expenses, limited income, overlooked discounts, unexpected bills, and the desire to enjoy life without overspending.
Get the Book on Amazon Explore the Benefits
Written by Someone Who Understands
At 75 years old, author and Vietnam veteran Bruce Goldwell lives on a fixed income himself.
He understands that seniors don't need another lecture about spending less. They need practical ideas for handling everyday financial challenges.
The book draws on firsthand experience, including the importance of questioning bills, investigating available discounts, and making informed decisions before spending money.
Bruce believes that financial wisdom isn't simply about accumulating wealth. It's also about making better use of what you already have.
"Living on a fixed income doesn't mean living a limited life."
Six Ways This Book Stands Apart
Practical guidance for the retirement you're living, not the retirement someone else thinks you should have.
2. It Helps You Stop Overpaying
Many people continue paying bills without questioning charges, comparing options, or asking whether a better rate is available.
This book encourages you to review those expenses and investigate possible savings.
3. It Teaches You to Ask Before You Pay
A simple question can sometimes uncover a discount or benefit you didn't know existed.
You'll discover ways to ask about senior, veteran, membership, and other available discounts.
4. It Protects More Than Your Budget
Financial security also means recognizing scams, avoiding unnecessary debt, and protecting your independence.
The book addresses these concerns with practical questions and protective habits.
5. It Recognizes Your Experience
Retirement doesn't erase your knowledge, abilities, interests, or value to others.
Explore opportunities to share your skills, stay engaged, and potentially earn modest additional income.
6. It Includes Enjoying Life
Saving money shouldn't mean eliminating everything that makes retirement worthwhile.
Discover affordable ways to enjoy hobbies, travel, learning, friendships, and experiences.
From Information to Action
Reading money-saving advice is one thing. Knowing what to do next is another.
That's why the book includes the Smart Senior's 30-Day Money Makeover, a series of manageable daily activities designed to help you take action.
Week One: Understand Your Money
Review your income, essential expenses, recurring charges, and spending habits.
Week Two: Discover Savings
Question bills, compare purchases, investigate discounts, and explore assistance.
Week Three: Protect Your Finances
Review financial safety, debt, emergency preparation, and independence.
Week Four: Create Breathing Room
Explore unused possessions, personal skills, extra income ideas, and affordable enjoyment.
The goal isn't to promise a specific amount of savings. It's to help you recognize opportunities, make informed decisions, and develop useful habits.
More Than a Book
Readers can also explore the free Smart Senior Money Toolkit, a companion resource featuring printable worksheets, checklists, and savings trackers.
Bruce also invites readers to share their experiences and money-saving discoveries with other seniors.
Explore the Free ToolkitIt's About Making the Most of What You Have
You may not control inflation, healthcare costs, or how much your retirement income increases.
But you can learn to question expenses, investigate options, protect your money, and find ways to enjoy life more affordably.
One expense reduced. One discount discovered. One financial mistake avoided.
Each can be a step toward greater financial confidence.
Get Your Copy on Amazon Return to Book Homepage