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A few colleagues and I are reading some retirement books to see which ones we can recommend to others. This one wont make the cut. I sympathize with authors trying to write a book like this actually. They are trying to distill complexity into rules and guidelines that are as simple as possible for someone that doesnt spend most of their time thinking about financial matters. I cant imagine writing a book that delved into all the nuance. So, while I found the book simplistic in many places, I understand the constraints in writing the book and I did learn some valuable things here and there.There were two things that really held me back from recommending the book, one of which I will admit is petty. The first is that he steadfastly uses historic returns when making his projections about how investments will perform in the future. Again, believe me, I understand why people do this, but it is backward looking and we have to look forward. Are those old returns relevant? He doesnt touch this topic, but I think it is dangerous giving people an expectation for future returns based on historic return from a country that became the global military and economic superpower over that time frame. Not to mention demographics and increased leverage.This will seem petty, but he glorifies the CFP designation to the exclusion of all else. I admire the CFP designation, but it is certainly not the only valuable designation in the world of finance. As you might guess, I dont have a CFP designation. Still, it gave the book the feel of an advertisement that validated the choices he had made professionally.Two stars sounds harsh, but It was ok summarized my opinion best. If you are thinking about retirement and it is this book or nothing, then you will be better off reading this book, but Im hoping to find a better one.

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