Tired of the daily grind, working for the Man?

Are you looking for an alternative to a lifetime of
stress and overwork?  
Work Less, Live More: The
Way to Semi-Retirement
is your roadmap to the exit.
 Written by early semi-retiree Bob Clyatt, the book
gives encouragement and step-by-step knowledge
for securely moving beyond full-time work,  whatever
your age.

The book shows readers how to achieve this winning
combination of work and life through:

 - Sensible spending and saving

 - A rational investing method based on Nobel
Prize-winning research which weathered the 2008
downturn while keeping retirees in good financial
condition and preserving the value of savings.

 - A safe, lifelong withdrawal method for living off
your savings

 - Resources and guidance for living outside the
culture of consumption and overwork
Plus:  Learn how to create the perfect part-time
work opportunities to fulfill personal and financial

If you are ready to start making plans for a more
fulfilling life, or are already semi-retired, you'll find
valuable advice here based on the experience of
hundreds who have already made the leap.

For those ready to roll up their sleeves and really
begin planning in earnest, the
Work Less Live More
Workbook: Get Ready For Semi-Retirement  
will give
you the spreadsheets and tools to customize plans to
your own unique situation.   Plus you'll get plenty of
worksheets and exercises to help you figure out
what you'll do to fill all the years you've freed up
once you leave full-time career work.

Bob's entrepreneurial years allowed him to became
financially independent in 2001 at age 42 and he has
been living as a semi-retiree ever since.  Since
retiring, he has realized his lifelong dream to write
create art.  He lives with his wife in Westchester
County, New York where they raised their two sons.
Bob-Clyatt Work-Less-Live-More American-Yacht-Club
JoAnn Cancro Photography
A book in the web age should be the
beginning of a conversation.  Feel free to
contact Bob with any questions you have
about early or semi-retirement
See Bob's Sculpture website

Not only does Bob talk
about the benefits of early
retirement, he lives them.

Following the same advice
he gives in his book has
allowed Bob to get back to
his path as an artist with a
flourishing and meaningful
second career.


Sandwich Portfolio (8 funds+ Money Mkt)

                      2007  7.58%
                      2008 -20.34%
                      2009 23.10%
                      2010 13.36%
                      2011   0.72%
                      2012 11.85%
                      2013 11.81%
                                             (historical data source: Morningstar)

This is the simple version of the Rational
Investing Portfolio used throughout the Work
Less Live More long term retiree planning in the
books.  It consists of the following 8 low-fee and
readily available funds plus a  Money mkt fund:

      20% VFINX  S&P500
      8%  VTMSX Tax Managed Small
      6%  VGTSX  Total International Equity
      10% VINEX  Internat'l Explorer (small)
      6% VEIEX  Emerging Markets
      30% VBIIX Intermediate Bond Index
      11% BEGBX  International Bond
      5%  VGSIX  REIT Index
      4%  Money Market Fund

These allocations have not changed since the
book was published.  The author personally
continues to follow  the full Rational Investment
Portfolio (since 2003), though he is making
some modifications within  the published asset
classes to choose fixed income investments with
shorter duration/maturity as a way to defend
against rising interest rates and inflation.  For
greater diversification he also has been investing
in the hedge fund sector which he feels with
judicious selection can be worth the high fees.  
He has also switched many investments from
mutual funds to ETFs.

Click here for a discussion of this portfolio and its
performance on the early-retirement.org forums,
including some estimates of portfolio
performance for the full Rational Investment
Portfolio during recent years.
Work Less, Live More    by Bob Clyatt
Your Semi-Retirement Resource Center
Order instant download
or hard copy
direct from Nolo Press
Press and reader Inquiries:  
please email
directly to the author


If you are especially keen to dig into the
numbers behind your early or semi-retirement,
you will benefit from the Companion
Workbook to Work Less Live More, subtitled
Get Ready for Semi-Retirement.  Both are
available from Amazon via the links on the left,
or from your local bookseller.  

The workbook contains a CD ROM with
spreadsheets for customized planning of all
facets of your semi-retirement finances, as
well as numerous exercises and worksheets for
planning a fulfilling 2nd half of life.
Available on Amazon-  
including Kindle Version:

Main Book:  Work Less,
Live More

Work Less, Live More
Work Book