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Jan presenting for AARP in Dublin, Ohio (Sept. 2013)





A lot of people say, "You can't judge a book by its cover." With "The Single Woman's Guide to Retirement" it is a case of, "Great book, great cover!"

I am regularly reading retirement books to see what other writers and experts are saying about how to have a happy and productive retirement. Before encountering this book, I read an article about how the greatest fear for women approaching 50 or in their 50s is their fear of winding up living in poverty in their retirement years. Adding to this, Teresa Ghilarducci, a professor of economics at the New School for Social Research, in a "New York Times" article (July 21, 2012) stated:

"Seventy-five percent of Americans nearing retirement age in 2010 had less than $30,000 in their retirement accounts. The specter of downward mobility in retirement is a looming reality for both middle- and higher-income workers. Almost half of middle-class workers, 49 percent, will be poor or near poor in retirement, living on a food budget of about $5 a day."

Still more, a July 2012 study from the U.S. Government Accountability Office shows that women of retirement age are twice as likely as men to live in poverty. Another reason that makes "The Single Woman's Guide to Retirement" so timely is another 2012 study by MetLife and the Society of Actuaries concluded that "Singles are the least prepared for retirement."

"The Single Woman's Guide to Retirement" is no doubt the best and most comprehensive retirement guide to help single women prepare for retirement. Some of the information will be obvious to some but there is a lot of not-so obvious information that can help enhance the retirement of not only single women, but everyone who intends to retire.

"The Single Woman's Guide to Retirement" covers the essential elements for a happy and successful retirement such as:

* Can you retire?

* Are you ready for retirement?

* How to handle all the free time that retirement brings

* Travel and how it can enhance your retirement

* Where to travel and important travel tips

* Working part time in retirement

* Work-at-home possiblities

* Should you move in retirement?

* Where to retire

* Dating

* Divorce

* Sources of money in retirement

* How to reduce your expenses in retirement

* How to keep healthy and fit in mind, body, and spirit

The exercises and worksheets in this well-researched book will be extremely helpful for the retirement plans of single women.

Retirement is a new and separate life stage and should not be taken lightly. It entails both the financial and non-financial. This book comprehensively addresses not only the importance of finances, but also other major aspects of retirement including social relationships, big life decisions, and just plain having fun.

In short, Jan Cullinane in this practical and user-friendly guide clearly identifies all the important factors that contribute to a happy, healthy and prosperous retirement. I highly recommend this book.


"Best-selling author and retirement expert, Jan Cullinane, delivers a clear, concise and detailed guide essential for single women approaching pre-retirement or retirement. AARP's guide is a golden treasure to Baby Boomers and will not only teach, but will benefit in several ways to make the trip easy in protecting yourself. As 25 million single women reach the age of over 45, living in the U.S., including myself, this important guide will make the Golden Years less confusing and more successful. The author provides easy-to-read tips and helpful advice that is immensely useful. Jan Cullinane walks you through the many challenges of retirement which include: how to manage your finances; how to deal with divorce; how to stay healthy; and much more. In addition, she covers issues that matter in this age group, helps make retirement much easier, and provides real-life stories from other women to convey new ideas about how to make it satisfying. The author's writing style makes this fun-filled guide enjoyable. I found it gratifying to learn of refreshing plans to protect myself in the future. In today's weak economy, statistics are against us, and planning early is the key to success. The author addresses crucial financial decisions we must all face in this remarkable blueprint for retirement. Additional topics are discussed concerning children, dating, and how to budget, but also live comfortable. We no longer have to take the retirement journey alone. Instead of a nightmare, this trip can be one of happiness as the the author becomes a teacher and companion to direct your way. Highly Recommended to all Baby Boomers and anyone approaching retirement. This practical guide with many useful tips will indeed decrease retirement anxiety, and make you feel more confident. Brilliant, motivating, and comprehensive!"

Bernice Bratter and Helen Dennis

“The Single Woman’s Guide to Retirement is a motivator for single mature women to make decisions so their second half of life will be the best part of life. From dating to divorce, from money to boomerang children, no subject is too small or too big to tackle. It’s a great read.”

Bernice Bratter and Helen Dennis coauthors of the bestseller Project Renewment: The First Retirement Model for Career Women

Anne L. Holmes, "Boomer in Chief," National Association of Baby Boomer Women

“Cullinane has done it again. Her previous book is truly an Ultimate Guide to Retirement, but much of the content focuses on retirees as couples. With The Single Woman’s Guide to Retirement, she recognizes that statistics are against us. Women live longer than men, which means that even if you’re ‘happily coupled’ now, there’s an 80 to 90% chance that at some point, you’ll find yourself making important decisions—financial and otherwise—as a single woman. Thankfully, you’ll have this book to lean on. It addresses ALL aspects of single retirement and offers single women a blueprint for a satisfying and successful second half of life. This is a must-read book!”

John Brady, Founder of

“Jan Cullinane has written the essential tool for single women approaching retirement. Her practical guide covers every angle—from when to retire, what to do, and how to find single-friendly places to tips about managing money. The wealth of practical details and useful tips turns retirement anxiety into confident anticipation.”

Bella DePaulo, PhD, author of Singled Out: How Singles Are Stereotyped, Stigmatized, and Ignored, and Still Live Happily Ever After

“Finally, a guide for that growing and important demographic! It is clear, comprehensive, fun to read, and immensely useful.”

Stan Hinden, author of How to Retire Happy:The 12 Most Important Decisions You Must Make Before You Retire 

“For too long, women in America have made the retirement journey alone. No longer. Jan Cullinane is there, companion, teacher, and guide, showing women how to find happiness in retirement.”

Jean Chatzky, bestselling author and financial expert

“In matter-of-fact language, Jan Cullinane gets at the heart of what you need to do to plan for and protect your future. I can’t say it strongly enough: If you’re a single woman, you need this book.”

Author, Innovator, and Prosperity Life Coach 

Ernie J. Zelinski

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