3.0

Not what I was hoping for, to be honest. Mr. Vettese has taken a contrarian stance, as promised, but there's not as much justification for his suggested tacks as I'd've liked. While I appreciate that we may not want to use a blanket "you need 70% of pre-retirement income in retirement" rule, he seems oto make many assumptions about how we're either now spending all our money on kids, houses, and I guess fancy clothes for work, or completely blowing the money any excess.
The recommendations seemed a little too optimistic (and I realize that this was written 8 years ago, when inflation wasn't what it is now), ending up with fairly aggressive plans with little contingency.
I did appreciate the sections on annuities, including "the insured annuity strategy".