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Reviewed by Jamie Michele for Readers' Favorite
From Savvy Saver to Smart Spender by Daniel W. McDonald is a non-fiction self-help finance book to guide readers on “How to Pick a Tax-Wise Retirement Withdrawal Strategy.” In layman's terms, it is the exact opposite of every retirement finance book you've ever read. It teaches you how to actually spend retirement money while everyone else seems to forget that there is life after savings, and that life requires withdrawals from the funds readers who are in or approaching their retirement years have worked hard to amass. McDonald covers all things retirement finance-related once retirement has begun, including why a withdrawal strategy is crucial, and the variety of ways where following a good strategy can save a reader from hefty and unnecessary tax liabilities.
I have to admit that I hadn't ever really considered that when my husband and I retire, there might be a need for the comprehensive advice Daniel W. McDonald gives in From Savvy Saver to Smart Spender. I cannot be alone in thinking that one would just take what they need and that would be that. The reality is that the nest egg will not be as comfortable if it isn't managed strategically even in retirement. McDonald does well in addressing where a reader is in their age bracket and, depending on their situation, what they need to start doing right this moment. The writing itself is straightforward and clean, with McDonald taking a mostly conversational tone. Most readers will appreciate this because even though we are being given homework, it is dressed up as a friend advising us over a cup of coffee. It flows organically and comes across with a voice that encourages an override of what we think we know. The only downside to this book is that we soon learn that we know very little. Thankfully, McDonald is here to save us and our savings from the best position possible. Very highly recommended.