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Die Broke: A Radical Four-Part Financial Plan
Not Part Of His Plan
Meet Cameron Ezekiel MacMillan, all six feet, two inches tall. Ice blue eyes that can melt off your panties, and make you fall head over heels in love with him, with a sinfully gorgeous body.
Cameron lost his wife five years ago, left alone with two kids; Summer and Spring, five and seven years respectively. All he wanted was a good nanny who wouldn't quit after a month or few weeks, not a purple-eyed woman who would make his heart race like never before.
He hated the way she made him feel because he knew that feeling came with a weakness, one he couldn't afford while being the CEO of a multinational company.
Meet Ruby Miller, all five foot five tall, with a very sexy figure, even though she wasn't really aware of her shape that way. Rare purple eyes that feel like they are looking into your soul, with kissable lips.
Aside from that, losing people and things were her specialty. Five years ago, she had lost her parents, and now, her job, and her boyfriend just broke up with her.
Finding a new job to tide over before going to law school was the plan, not falling for her boss.
It is a billionaire-nanny story. Enjoy!
92 Mga Kabanata
The Revenge Plan
"After I caught my boyfriend cheating, I tried to be mature about it with an amicable split. But he took his retaliation too far, and I have officially had enough. No more Miss Nice Haven.
No one is allowed to lie to me, betray, embarrass, and devastate me, fill me with self-doubt, or put my future at risk, and expect to get away with it. He is going to feel my wrath.
Enter Wick Webster, his archenemy.
Nothing would provoke my ex more than to see me moving on with the one guy he hates most, so that’s exactly what I plan to do.
The only hitch in my brilliant scheme is Wick himself. He’s just gotta be all love-not-war and peace-is-the-only-way. He’s more concerned about helping me heal than seeking my sweet revenge.
And what the hell is it about his soothing presence and yummy looks that calls to me until I forget how much pain I’m in? He’s making it awfully hard to use and abuse him for my malicious means. The damn guy is making me fall for him."
57 Mga Kabanata
Backup Plan
When we were only kids, Sam Harris and I made a promise we'd marry each other if we were still single when we turned thirty. Well, my thirtieth birthday has come and gone and I'm still as single as ever. And as far as I know, so is Sam.
But it's been ages since we've seen each other, and after what he did to me our senior year of college, I wouldn't put his ring on my finger even if he begged me to marry him. Never mind his devilish good looks. Or the fact that the playboy partier is a doctor now.
Nope, I'm sticking to my guns with this, and when I go back to my hometown of Silver Ridge for the first time in years, I won't pay him the slightest bit of attention. Well...until he convinces me to go out for drinks to catch up. I knew it was a bad idea the moment I agreed to it. And then he brings up our childhood promise. It might be fun and games to him, but it's not to me.
Because as much a I don't want to admit it, Sam has always been my first choice. And I don't want to be nothing more than his backup plan.
50 Mga Kabanata
Broke My Heart
Amelia was leading a perfect life, She loved her life, her friends everything. But what she hated the most were boys. Especially boys who like to play with girls. She hasn't had any good reason to trust them. Whenever she loved someone it was always for some ulterior motive.
What happens when she bumps into School's new boy, Damien? Icy blue eyes are his signature. A boy who is cocky, sweet, caring but at the same time mysterious in his own ways.
Will Damien prove her wrong and fall in love along with her? Or does he have his own motives behind his actions.
To add onto Amelia's turmoil of a life, what will happen when the boy who broke her heart a few years back returns to claim her back?
What would have happened between the two? Peek in to know
~~
43 Mga Kabanata
The Perfect Plan
Warning: Heavy Erotica!!! Vampire/Werewolf Travis is in love with his best friend’s wife. Travis is also a vampire that can read minds. One night at a bar, he’s looking for someone to ease his pain when Tiffany walks in. He can’t read her mind and is instantly intrigued. Tiffany needs someone to marry her for one year so she can take over her father’s company. Travis volunteers to be her husband. Then she informs him he can’t sleep with anyone, herself included, the year they’re married. How is Travis supposed to survive a year without sex? Will Tiffany find out he’s a vampire? Why can’t he read her mind?
The Perfect Plan is a spinoff of Addicted to You. Can be read as a stand alone however best read afterwards.
85 Mga Kabanata
The Forever Plan
Book 2 of The Pact. Be sure to read Book 1.
[A Billionaire's Divine Romance]
[Sequel to The Pact]
....
After experiencing the worst scandal of their lives, Fabrico and Selene becomes a happily married couple with a lovely daughter. Everything seems to be going well for them until trouble knocks on their door.
Selene's psycho ex, Blake is out of the asylum and back for her, Fabrico is dealing with his brothers mess of a job, Drug dealing, which might affect his own company and his wife thinks he's having an affair with his Secretary.
Will all go down hill for Selene and Fabrico or would they stick to the forever vow that they made. Through sickness and in sorrows, peace and troublesome times- or, would they fall apart!
35 Mga Kabanata
What Are The Risks Of Following 'Die Broke' Financial Plan?
5 Answers2025-06-18 10:47:29
The 'Die Broke' plan sounds liberating—spend everything before you go—but it’s risky if you underestimate longevity. Running out of money in your 80s or 90s with no safety net means relying on family or social programs, which might not cover quality care. Inflation can erode savings faster than planned, leaving you vulnerable. Healthcare costs are unpredictable; a single major illness could drain reserves meant for decades.
Another issue is asset liquidation. Selling possessions or property under pressure often means lower returns. Market downturns during retirement can force withdrawals at a loss. Family dynamics matter, too—expecting heirs to support you might strain relationships. The plan assumes perfect financial control, but cognitive decline or scams targeting seniors can derail it. Without careful contingency planning, 'Die Broke' might mean dying desperate.
Is 'Die Broke' A Good Financial Strategy For Retirement?
5 Answers2025-06-18 06:36:59
The 'Die Broke' strategy is a bold approach to retirement planning that flips traditional savings models on their head. Instead of leaving an inheritance, you spend down your assets to zero, relying on your savings and investments to fund your lifestyle until the end. The idea is to maximize your quality of life in retirement without worrying about preserving wealth for heirs.
This method requires meticulous budgeting and a solid understanding of your lifespan and expenses. It can be liberating for those who want to enjoy their retirement fully, but it’s risky if you underestimate your longevity or face unexpected costs like medical bills. Annuities and reverse mortgages often play a role here, providing steady income streams. The strategy works best for people without dependents or those whose kids are financially independent. It’s not for everyone, but for some, it’s the ultimate freedom in retirement.
How To Implement 'Die Broke' Plan For Early Retirees?
1 Answers2025-06-18 22:40:31
The 'Die Broke' philosophy is one of those radical yet liberating approaches to retirement that flips traditional financial planning on its head. Instead of obsessing over leaving an inheritance or hoarding wealth, it’s about spending your money down to zero—enjoying every penny while you’re alive. For early retirees, this means meticulous planning but also a mindset shift. You’re not failing if you don’t have a nest egg left for your kids; you’re winning if you’ve lived fully. Let’s break it down.
Start by calculating your expected lifespan and projecting expenses. This isn’t about pessimism; it’s realism. Tools like Monte Carlo simulations can help account for market volatility and longevity risks. The goal is to estimate how much you can sustainably spend annually without running out too early. Reverse mortgages and annuities can be part of the toolkit—especially the latter, which guarantees income for life. But the real magic lies in liquidating assets strategically. Sell the house if it’s too big, downsize to a rental, or consider equity release. The key is converting illiquid assets into cash flow without emotional attachment.
Investments should lean toward liquidity and growth, not preservation. A heavy bond portfolio might feel safe, but inflation will eat it alive over decades. Instead, maintain a balanced equity exposure to keep your money growing while you withdraw. Tax efficiency is critical; Roth conversions in low-income years can save fortunes later. And don’t forget healthcare: long-term care insurance or a dedicated fund for medical expenses is non-negotiable. The 'Die Broke' plan thrives on flexibility. If the market tanks, tighten spending temporarily. If you get a windfall, splurge on that safari you’ve dreamed of. The point is to die with memories, not millions.
Emotionally, this plan requires ruthlessness. Society equates leaving wealth with love, but what if your legacy is the example of a life well lived? Teach your kids self-reliance early so they don’t expect—or need—an inheritance. Communicate openly: 'We’re spending it all, and here’s why.' It eliminates guilt and sets boundaries. Finally, monitor your progress yearly. Adjust withdrawals, revisit estate documents (trusts might still be needed for incapacity), and stay adaptable. 'Die Broke' isn’t about recklessness; it’s about intentionality. Early retirees have the time to fine-tune this dance between spending and sustainability—so why not make every dollar count?
Can 'Die Broke' Help Avoid Inheritance Disputes?
5 Answers2025-06-18 11:02:08
The book 'Die Broke' presents a radical yet practical approach to managing wealth to minimize inheritance conflicts. By advocating for spending down assets during one's lifetime, it reduces the pool of resources left to fight over. The philosophy taps into the psychological tension between heirs—when there's less to inherit, disputes often lose their fuel. This doesn't just apply to money; sentimental items can be distributed gradually, easing emotional friction.
However, the strategy demands meticulous planning. Gifting assets while alive requires tax awareness and fairness in distribution to avoid resentment. The book suggests transparency—discussing intentions with family early prevents surprises. Some might argue this approach risks leaving the elderly vulnerable if funds deplete too soon, but paired with safeguards like annuities, it's a compelling alternative to posthumous chaos. It transforms inheritance from a battleground into a shared experience.
How Does 'Die Broke' Challenge Traditional Savings Plans?
5 Answers2025-06-18 05:44:27
'Die Broke' flips traditional financial advice on its head by arguing that hoarding wealth for inheritance is outdated and inefficient. The book suggests spending your money intelligently during retirement to maximize enjoyment and minimize tax burdens. Unlike conventional plans that emphasize leaving an estate, it promotes using assets to fund experiences, healthcare, and comfort while alive. The idea is to die with zero, ensuring every dollar served a purpose instead of languishing in accounts.
Traditional savings often prioritize frugality over fulfillment, but 'Die Broke' challenges this by advocating for strategic spending. It highlights how inflation and changing economies can erode savings, making early utilization smarter. The approach also reduces familial conflicts over inheritance, as there’s little left to dispute. By focusing on liquidity and smart withdrawals, the book redefines financial security as living well, not accumulating endlessly.
Does 'Die Broke' Recommend Spending All Savings Before Death?
5 Answers2025-06-18 00:31:20
The book 'Die Broke' definitely challenges traditional financial wisdom by advocating for a more liberal approach to spending in later life. The core idea isn’t to recklessly drain every penny, but to shift from hoarding wealth to enjoying it while you can. It suggests using savings to improve quality of life—travel, hobbies, or helping family—instead of leaving a large inheritance. The philosophy hinges on modern realities like longer lifespans and rising healthcare costs, which make rigid estate planning less practical.
Critics might call it irresponsible, but the book emphasizes calculated spending. It encourages leveraging assets like reverse mortgages or annuities to ensure steady cash flow without fear of outliving your money. This isn’t about dying penniless; it’s about dying without unused surplus, having maximized joy and minimized waste. The approach resonates with those who view money as a tool for experiences, not just security.
What Are The Key Financial Principles In 'Die With Zero'?
2 Answers2025-07-01 04:03:08
I recently read 'Die With Zero', and its financial principles completely flipped my perspective on money. The core idea is about optimizing your life experiences rather than just accumulating wealth. The book argues that money's real value lies in what it can do for you while you're alive, not how much you leave behind. One of the most striking principles is the concept of 'time-banking'—allocating your resources to maximize meaningful experiences at different life stages. The author emphasizes that waiting until retirement to enjoy your savings is often a missed opportunity, as your ability to enjoy certain experiences diminishes with age.
Another key principle is calculating your 'net worth' in experiences, not just dollars. The book suggests creating a 'life calendar' to visualize how many summers or winters you realistically have left, then spending accordingly. It also challenges the traditional notion of inheritance, proposing that giving money to your children earlier in their lives when they actually need it creates more value than leaving it after death. The 'die with zero' philosophy isn't about reckless spending, but about intentional allocation—investing in health, relationships, and growth while you can still benefit from them. The book's most radical idea might be its dismissal of the 'safety net' mentality, showing how excessive saving can actually rob you of life's richest moments.
How Does 'When The Clock Broke' End?
3 Answers2025-06-28 01:13:05
The ending of 'When the Clock Broke' is a masterclass in emotional payoff and narrative closure. The protagonist, after battling time itself to undo a catastrophic event, finally confronts the mysterious Clockmaker in a climactic showdown. The twist? The Clockmaker was a future version of themselves all along, trapped in a paradox. They merge consciousnesses, gaining the wisdom to reset time without erasing their memories. The final scene shows the protagonist waking up in their original timeline, subtly changed but surrounded by loved ones who now survive. The clock ticks normally again, symbolizing balance restored. It’s bittersweet—they remember the pain but cherish the second chance.
Where Can I Buy 'When The Clock Broke'?
3 Answers2025-06-28 09:48:29
I just grabbed my copy of 'When the Clock Broke' last week and it was super easy to find. Major online retailers like Amazon have both paperback and Kindle versions available. If you prefer physical stores, Barnes & Noble usually stocks it in their new releases section. For international buyers, Book Depository offers free worldwide shipping which is a great deal. The book's popularity means most big retailers carry it, but prices can vary slightly between platforms. I noticed Walmart had a discount on the hardcover edition last time I checked. If you're into audiobooks, Audible has a fantastic narration version that really brings the story to life.
Who Is The Protagonist In 'When The Clock Broke'?
3 Answers2025-06-28 00:34:55
The protagonist in 'When the Clock Broke' is Jake Mercer, a gritty detective with a knack for solving impossible cases. He's not your typical hero—wears a worn-out trench coat, drinks black coffee like it's water, and has a sharp tongue that gets him into trouble. Jake's got a tragic backstory; his partner died under mysterious circumstances, and he blames himself. The clock-breaking incident throws him into a world where time is fractured, and he's the only one who can piece it back together. His journey is brutal, filled with twists that test his morality and sanity. What makes Jake compelling isn't just his skills but his flaws—he’s reckless, stubborn, and sometimes downright unlikeable, yet you root for him because he’s real.
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