--- product_id: 405132543 title: "The Truth about Retirement Plans and IRAs" price: "AR$75131" currency: ARS in_stock: true reviews_count: 5 url: https://www.desertcart.com.ar/products/405132543-the-truth-about-retirement-plans-and-iras store_origin: AR region: Argentina --- # Myth-busting clarity on IRAs & 401(k)s Top-ranked financial advisor insights Step-by-step retirement planning guide The Truth about Retirement Plans and IRAs **Price:** AR$75131 **Availability:** ✅ In Stock ## Summary > 💼 Secure your future with confidence—don’t let retirement planning be your FOMO moment! ## Quick Answers - **What is this?** The Truth about Retirement Plans and IRAs - **How much does it cost?** AR$75131 with free shipping - **Is it available?** Yes, in stock and ready to ship - **Where can I buy it?** [www.desertcart.com.ar](https://www.desertcart.com.ar/products/405132543-the-truth-about-retirement-plans-and-iras) ## Best For - Customers looking for quality international products ## Why This Product - Free international shipping included - Worldwide delivery with tracking - 15-day hassle-free returns ## Key Features - • **Myth-Busting Financial Clarity:** Cut through costly misconceptions and avoid common pitfalls like borrowing from your retirement accounts. - • **Simplified Retirement Planning:** Clear, jargon-free explanations make complex plans like 401(k), 403(b), and IRAs easy to understand and act on. - • **Actionable Steps for Every Career Stage:** Whether just starting out or nearing retirement, learn how to contribute wisely and convert savings into lasting income. - • **Trusted by Thousands with 4.5★ Reviews:** Join a community of savvy savers who’ve transformed their financial futures with this foundational guide. - • **Expert Guidance from America’s #1 Independent Advisor:** Leverage Ric Edelman’s proven strategies to maximize your retirement savings. ## Overview Written by Ric Edelman, a three-time Barron’s ranked top independent financial advisor, this bestselling guide demystifies retirement plans including 401(k)s and IRAs. It offers clear, actionable advice for maximizing contributions, making smart investment choices, and ensuring your savings last through retirement. Perfect for millennials and professionals seeking a straightforward, trustworthy roadmap to long-term financial security. ## Description From the #1 independent financial advisor in America, ranked three times by Barron's: a guide to making the most of your retirement plans and assuring long-term financial security.Everyone knows that saving for your retirement is important. Yet only half of all eligible Americans contribute to a retirement plan. That's because all plans--including the 401(k), 403(b), 457, and even the IRA--are complicated, confusing, and costly. New York Times bestselling author and acclaimed financial advisor Ric Edelman has counseled thousands of savers and retirees and has accumulated his advice in this book. Edelman has created a step-by-step guide. With illuminating prose and simple explanations, he shares everything you need to know as a plan participant: how to contribute even when you think you can't afford to, how to make wise choices among your investment options, and how to convert your 401(k) into income so you can provide yourself with the lifestyle you want in retirement. Along the way, he debunks the myths and clears up the confusion. Review: Great foundational read for the basics - This is such an engaging read and covers the basics so well - I occasionally reread it and have given it as a gift many times. There have been some changes in the financial landscape since its last edition but it's still a very good foundation. Review: "this" is the review you want to read! - I will preface this with, "I am an Edelman client", and did receive a copy for free. After reading it, I purchased several more copies for family members, all of whom are in the first few years of their working careers. This book does an excellent job of explaining all the details behind saving for retirement, and most importantly, why it's important to save. He takes the story all the way to how to draft from your IRA/401k/403b after retirement, and how to make your money last your entire retirement. He mentioned pitfalls, such as the dangers of "borrowing" from your retirement accounts, and why it's highly unadvisable. I do see there are a few who did not like this book. To be fair, there are people who will not like it. Those who are very financially literate will surely find it "basic" - it's supposed to be basic. It's designed to educate people, not offer profound mysteries to those already educated in financial matters. Edelman is also very critical of inventments which are a bigger benefit to the broker selling them, than to "you", the buyer. As such, product-pushing financial salespeople, selling annuities and other expensive investments, will also dislike the book. This book isn't for "them". It's for "you". One critic said this is a push for Edelman to get more clients. To be clear, he often recommends, for information specific to your situation, "Talk to *your* financial advisor, and if you don't have one, call us". He does not discourage people who already have their own advisor, provided their advisor is acting as a fiduciary - someone who must operate and advise in *your* best interest, rather than trying to merely make a product off of you. This book is excellent for anyone who is not already well-versed in retirement savings. I would strongly recommend it especially for those just starting in their careers. The more you save "now", the more you'll have when you retire. As Edelman has said many time, "Nobody goes into retirement wishing they had saved 'less'". ## Features - Simon Schuster ## Technical Specifications | Specification | Value | |---------------|-------| | Customer Reviews | 4.5 out of 5 stars 283 Reviews | ## Images ![The Truth about Retirement Plans and IRAs - Image 1](https://m.media-amazon.com/images/I/716moRV8VUL.jpg) ## Customer Reviews ### ⭐⭐⭐⭐⭐ Great foundational read for the basics *by R***S on 26 June 2026* This is such an engaging read and covers the basics so well - I occasionally reread it and have given it as a gift many times. There have been some changes in the financial landscape since its last edition but it's still a very good foundation. ### ⭐⭐⭐⭐⭐ "this" is the review you want to read! *by T***Y on 8 November 2014* I will preface this with, "I am an Edelman client", and did receive a copy for free. After reading it, I purchased several more copies for family members, all of whom are in the first few years of their working careers. This book does an excellent job of explaining all the details behind saving for retirement, and most importantly, why it's important to save. He takes the story all the way to how to draft from your IRA/401k/403b after retirement, and how to make your money last your entire retirement. He mentioned pitfalls, such as the dangers of "borrowing" from your retirement accounts, and why it's highly unadvisable. I do see there are a few who did not like this book. To be fair, there are people who will not like it. Those who are very financially literate will surely find it "basic" - it's supposed to be basic. It's designed to educate people, not offer profound mysteries to those already educated in financial matters. Edelman is also very critical of inventments which are a bigger benefit to the broker selling them, than to "you", the buyer. As such, product-pushing financial salespeople, selling annuities and other expensive investments, will also dislike the book. This book isn't for "them". It's for "you". One critic said this is a push for Edelman to get more clients. To be clear, he often recommends, for information specific to your situation, "Talk to *your* financial advisor, and if you don't have one, call us". He does not discourage people who already have their own advisor, provided their advisor is acting as a fiduciary - someone who must operate and advise in *your* best interest, rather than trying to merely make a product off of you. This book is excellent for anyone who is not already well-versed in retirement savings. I would strongly recommend it especially for those just starting in their careers. The more you save "now", the more you'll have when you retire. As Edelman has said many time, "Nobody goes into retirement wishing they had saved 'less'". ### ⭐⭐⭐⭐ Good Information - But Left Me Disappointed *by D***A on 16 April 2014* Let me be clear! I believe this book has very useful information to anyone concerned about their retirement. I am not an expert, but simply one of those persons who want to make sure that am I doing the right things now so that when I do retire, I have sufficient income to support me for the rest of my life. That being said, I was very excited to acquire a copy of this book so much so that I pre-ordered it at Amazon, which is something I usually don't do. However, while I found the information usual, I personally got the book because I was interested in one particularly topic: TSP contributions and allocations advice. As a member of the Armed Forces with less than one year of active duty service, I wanted to learn about Ric Edelman's perspectives on specifically investing in the federal government's Thrift Savings Plan (TSP). It literally was the main reason why I preordered a copy of the book as opposed to skimming through it at a bookstore. The reason I gave this review four stars and not five is because I was disappointed that the book did not cover, in more detail, a discussion on investing in the TSP. Even if the answer is, "it depends", which would not be surprising, some general guidance as to what fund or what allocation, specific to TSP, would have been preferable. Of course, from reading the book, I could piece together the fact that stock funds (C, S, I) would be ideal and the 40%, 40%, 20% split he suggests on page 106 is applicable to the funds in the TSP (e.g. 40% in C fund, 40% in S fund, 20% in I Fund). If that's true, it really wasn't clear to me and I would have preferred, and was someone expecting, a more focused discussion just on the TSP. I read the book in order (didn't skip parts 1 or 2) and I used the index to verify that I didn't miss any focused discussion on the TSP (I didn't). It may seem harsh to rate this book 4 stars on what is otherwise, by all indications, a fantastic book that is a wealth of useful information. But, because I was so disappointed as stated above, I chose to give this book four stars. Let me conclude, however, by saying that Ric Edelman remains one of my favorite financial advisors to listen to. ## Frequently Bought Together - The Truth About Retirement Plans and IRAs - The Truth About Money 4th Edition - The Truth About Your Future: The Money Guide You Need Now, Later, and Much Later --- ## Why Shop on Desertcart? - 🛒 **Trusted by 1.3+ Million Shoppers** — Serving international shoppers since 2016 - 🌍 **Shop Globally** — Access 737+ million products across 21 categories - 💰 **No Hidden Fees** — All customs, duties, and taxes included in the price - 🔄 **15-Day Free Returns** — Hassle-free returns (30 days for PRO members) - 🔒 **Secure Payments** — Trusted payment options with buyer protection - ⭐ **TrustPilot Rated 4.5/5** — Based on 8,000+ happy customer reviews **Shop now:** [https://www.desertcart.com.ar/products/405132543-the-truth-about-retirement-plans-and-iras](https://www.desertcart.com.ar/products/405132543-the-truth-about-retirement-plans-and-iras) --- *Product available on Desertcart Argentina* *Store origin: AR* *Last updated: 2026-09-13*