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The Retirement Answer

The Six Key Decisions Every Retiree Needs to Make

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The Retirement Answer

By: Daniel Goldie
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About this listen

Are you worried about your financial future in retirement? You're not alone.

Sixty-four percent of Americans are more afraid of running out of money in retirement than death.


Drawing on 35 years of experience, bestselling author and financial advisor Daniel Goldie offers you the solution in The Retirement Answer.

Packed with personal stories and anecdotes, this is an essential guide to overcoming the roadblocks of retirement planning, such as the fear of running out of money. It also provides practical tools like an Annual Retirement Checklist to make sure you stay on track.

The book focuses on the six critical decisions every retiree needs to make:

  • The Timing Decision: Discover not just if you can retire, but if you should retire, by weighing the financial and personal trade-offs involved.
  • The Social Security and Medicare Decisions: Learn how these programs work so you can maximize your benefits and avoid costly, lifelong penalties.
  • The Distribution Decision: Learn how to create a sustainable, tax-efficient income stream from your investments that will last a lifetime.
  • The Investment Decision: Make prudent investment decisions by understanding how markets work and how to manage risk in retirement.
  • The Legacy Decision: Define and plan for the financial and personal legacy you wish to leave for your family and community.


Whether you're nearing retirement or already there, it is never too late to learn these essential concepts and confidently plan your retirement.

The Retirement Answer provides the knowledge for a successful, worry-free life after work.



(Statistic from 2025 Allianz retirement study.)

Investing & Trading Personal Finance

Critic reviews

The Retirement Answer is refreshingly honest, informative, and empowering—a must-read for anyone over 50. Daniel Goldie cuts through the noise and gives you the tools you need to stand on equal footing, providing education, structure, and a plan for success. I learned a lot from this book. I believe you will too. (Billie Jean King, Sports Icon and Equality Champion)
The Investment Answer changed my life. It gave me a framework for investing that was grounded in evidence, not emotion. Fifteen years later, I’m living proof that this philosophy works, and as I get closer to retirement, I couldn’t be more grateful that Daniel Goldie has written The Retirement Answer. (Dave Goetsch, Writer and Executive Producer, The Big Bang Theory)

You’ve worked most of your life to accumulate assets you hope will be sufficient to maintain your, and your partner’s, standard of living. But many factors are at play. Generating income from your assets is easier said than done. Depending on your personal background, the stock market may play an unwelcome role. And there are Required Minimum Distributions, Medicare, Social Security, and pensions that must be addressed.
Daniel Goldie walks you through the entire process—flowing from one logical topic to the next—in simple, understandable language. He explains the decisions you must make, including the factors you should consider, and how you can thoughtfully address them.
There is no greater legacy than to meaningfully impact the lives of others. Daniel Goldie has accomplished this with The Retirement Answer! I will be purchasing the book for my five kids who are approaching retirement.

(Dick Gould Emeritus, Director of Tennis, Stanford University Winner of 17 NCAA titles, author, Anatomy of a Champion)

The Retirement Answer is an engaging book offering fundamental and comprehensive preparation for pursuing the goal of a good retirement. Daniel Goldie delivers the foundation needed, framed within six key decision areas covering the entire scope of the retirement solution. His prose is clear and direct without technical jargon. The investment content is consistent with modern finance science, informed and enriched by practical communication experience from 35 years of financial advising implementation. It alerts and explains the important rules, regulations and tax issues which govern the retirement process. The Retirement Answer will serve well as an ongoing reference to consult until, and through, retirement.
Wherever one is in their lifecycle—beginning student to beginning retiree—the reader is in for a treat. Enjoy!

(Robert C. Merton School of Management Distinguished Professor of Finance, Massachusetts Institute of Technology John and Natty McArthur University Professor, emeritus, Harvard University Nobel Laureate, Economic Sciences 1997)
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