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Table of Contents from

How to Retire Happy, Wild, and Free

Retirement Wisdom That You Won't Get

from Your Financial Advisor 

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Chapter 1: Thank Heaven for Retirement!

  • Perhaps it’s time to tell your boss,“I’m outta here!”
  • Retirement should put a perpetual smile on your face
  • To not plan for an active retirement is to set yourself up for a difficult one
  • You are never too young to retire
  • Retiring too late means you don’t get another chance to do it right
  • You can have your retirement cake and eat it too
  • A major dilemma: life is short  and so is money
  • If deep down you know you are ready, “just do it!”

Chapter 2: Retirement: A Time to Become Much More than You Have Ever Been

  • Retirement can set you free
  • To have no aptitude for leisure is to have no aptitude for life
  • Create a new identity because your old one won’t do
  • Being on purpose is easy if you have one
  • Finding and pursuing your true calling can make retirement the best time of your life
  • Work at something that is not so much a job, but a fun thing to do
  • Reclaiming your creative spirit will put joyful purpose into your retirement life
  • Not writing a book can be more difficult than writing one

Chapter 3: So Many Worlds, So Much to Do!

  • To be bored is to retire from life
  • Plant your Get-a-Life Tree and watch it grow and grow
  • You don't have to watch one minute of TV when you retire - and perhaps you shouldn’t
  • An ounce of action is worth a ton of sitting around
  • Create new structures and routines with your leisure
  • Early to bed and early to rise makes a person dull, boring, and despised

Chapter 4: Take Special Care of Yourself - Because No One Else Will!

  • You too can exercise your right to a healthy and happy retirement
  • Obesity is getting too widespread  avoid it if you can
  • If you don’t take care of your body, where do you intend to live?
  • The shortcut to being truly fit and trim is long-term rigorous action
  • An active walk in nature is the best medicine for many of your ailments
  • Your mind needs a good run too

Chapter 5: Learning Is for Life

  • Commit yourself to being a lifelong learner and your life will never be without purpose
  • Become a college drop-in and stay more engaged in life
  • Take a joy course for personal growth, self-development, and lifelong learning
  • Work on a university degree and experience a sense of belonging with younger people
  • It’s more fun to be wired than not
  • Elder hostel will help you discover the world

Chapter 6: Your Wealth Is Where Your Friends Are

  • Above all, friends make life complete
  • Two or three real friends are worth more than a hundred superficial ones
  • You can’t wait at home to be discovered
  • Keep active and enjoy yourself while looking for love
  • You grow most when you are alone

Chapter 7: Travel for Fun, Adventure, and More

  • Take yourself out of your element and inspire yourself with new insights
  • Spend all the money that you can on travel if travel really turns you on
  • Tips on how to enhance your next journey
  • Use the Internet to make your travel adventures affordable and enjoyable
  • Travel with a difference
  • Implement something unique into your next trek
  • Become an ecotourist
  • You don't have to be rich to spend a month or two in a warmer climate
  • Enjoy yourself in a myriad of ways at a recreational vehicle retirement resort
  • Why travel alone when you don't have to?
  • Swap your house for a neat pad in some faraway paradise
  • Try a working vacation for a more satisfying traveling experience
  • Journey close to home and do the things that an out-of-town tourist might do

Chapter 8: Relocate to Where Retirement Living Is Best

  • Live somewhere else and do what you have always wanted to do
  • Consider moving to a college town
  • The secret to a really wonderful retired lifestyle

Chapter 9: Happiness Doesn’t Care How You Get There t

  • Retirement is not a time to sleep, but a time to awaken to the beauty of the world around you
  • Celebrate your eccentricity and you will be set free
  • If money can buy happiness, then why aren't you selling some of yours?
  • You will overlook the silver lining if you are always expecting gold
  • Be happy while you are alive because you are a long time dead
  • It's better to live rich than to die rich
  • Helping others can make life more worthwhile and you happier than you have ever been
  • Forget how old you are  this becomes more important the older you get
  • Don’t leave this world with songs unsung that you would like to sing



From Scott Burns, Retirement Columnist

Dallas Morning News 


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While all that retirement money that may go to worthy causes - such as making their Mercedes payments, providing their children with beautiful teeth that glow in the dark and liberating their expensive wine from its glass prison so it can find its way back into the water supply  our best defense is to remember that life isn't just about money.

The latest retirement book in this realm is How to Retire Happy, Wild, and Free: Retirement Wisdom That You Won't Get From Your Financial Adviser by Ernie J. Zelinski. This book follows on his earlier The Joy of Not Working, whose title gives you an idea of his central theme.

Trust me  there are books about investing and personal finance that are far more complicated. But few are more accessible, useful and meaningful.

 Scott Burns, Retirement Columnist
Dallas Morning News



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Purchase the Latest Edition of How to Retire Happy, Wild, and Free Today Through These Direct Links: Logo Click Here to Purchase on



Copyright 2022 by Ernie Zelinski

All Rights Reserved




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A gold watch is the most appropriate gift for retirement, as its recipients have given up so many of their golden hours in a lifetime of service.
— Harry Mahtar

The requirements for successful retirements
are, of course, simple to map out: Begin saving earlier in life, set aside larger
percentages of your pay, invest wisely in low-cost funds, avoid debt, pay off
your mortgage, defer Social Security to boost payouts, and work past traditional
retirement age to make sure you don't run out of money. Stay healthy, too, so your medical expenses don't eat you alive.
We might as well complete this fairy tale by advising you to make sure you find a job with a traditional pension, and
to only work for employers with AAA credit
ratings and great health insurance.
— from US NEWS

Sometimes it's important to work for that
pot of gold. But other times it's essential to take time off and to make sure that your most important decision in the day simply
consists of choosing which color to slide
down on the rainbow.
— Douglas Pagels  

OVER 425,000      COPIES SOLD  

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Everyone needs a reason to put their shoes on in the morning [when they retire]. If you put on the slippers, you'll end up
dragging your feet all day.
— Norma Fagan


 The World's Second Best Retirement Book at

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 The Joy of Not Working on 

Whatever the challenge of a new age, in the end what really counts is not the years in our lives but the life in our years. It is not about longevity, but the depth of life. Long ago I learned that age does not wither the mind if people remain positive. No one is too old to set another goal or to dream a new dream. It is a mind game. As Churchill suggested, "The empires of the future are the empires of the mind."
— Singapore Retiree Jennie Chau



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Career Success       Without a Real Job       on