⚠️ Most retirees lose thousands to rules they were never told exist. Don't be one of them.
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The Retirement Money Rulebook by Daniel Mercer — 2026 Edition

2026 EDITION — PRACTICAL RETIREMENT FINANCE

Protect Your Income, Savings & Benefits in Retirement

The plain-English retirement rules most people are never told — covering Social Security, IRA withdrawals, Medicare, tax traps, and the income mistakes that silently drain your savings.

  • ✕ Most retirees discover these rules only after a costly mistake
  • ✦ The exact strategies to maximize your income & protect every dollar
  • ✦ Written in plain English — no jargon, no complex formulas
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📘 2026 Updated Edition
✅ 10 Core Rule Chapters
🔐 Plain-English Language
⚡ Read on Any Device
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THE STAKES ARE HIGH

Two Retirees. Same Savings. Completely Different Lives.

The difference isn't luck — it's knowing which retirement rules apply to you. Most people find out the expensive way.

✕ WITHOUT THE RULEBOOK
  • 🔴 Claims Social Security too early and permanently locks in a lower benefit
  • 🔴 Takes RMDs incorrectly and triggers a 25% IRS penalty
  • 🔴 Misses Medicare enrollment window and pays lifetime surcharges
  • 🔴 Moves IRA money the wrong way and owes thousands in unnecessary taxes
✦ WITH THE RULEBOOK
  • ✦ Knows exactly when to claim for the highest lifetime Social Security payout
  • ✦ Takes RMDs correctly, on time, with zero IRS penalties
  • ✦ Enrolls in Medicare on schedule and avoids permanent premium surcharges
  • ✦ Converts IRA funds strategically to legally minimize the tax bill
GET THE RULEBOOK →

Same price. Same 7-day guarantee.

Written by Daniel Mercer, Certified Financial Planner with 20+ years advising retirees

INSIDE THE RULEBOOK

10 Rules That Change Everything

Every chapter covers one critical area — with the exact steps, deadlines, and numbers you need to act on it.

📅
Social Security Timing Rules

The exact break-even math for claiming at 62, 67, or 70 — and the spousal benefit most couples never use.

💰
Required Minimum Distributions (RMDs)

The 2026 RMD rules, deadlines, and how to avoid the 25% IRS penalty that catches thousands off guard every year.

🏥
Medicare Enrollment Windows

Part A, B, C, and D enrollment deadlines. The 3 enrollment periods and the lifetime surcharges you'll pay for missing them.

🔄
Roth Conversion Strategy

When converting to a Roth saves you money — and when it doesn't. The income thresholds and the 5-year rule explained simply.

🏠
Home Sale Tax Exclusion

The $250,000 / $500,000 exclusion, how to qualify, and the one step most homeowners skip that costs them the benefit.

📋
The 4 Estate Documents

The will, trust, power of attorney, and healthcare directive — who needs what, and the mistake that freezes assets after death.

💳
IRMAA & Medicare Surcharges

How your income two years ago determines your Medicare premium today — and the legal appeals process most people don't know exists.

🎁
Gift & Inheritance Tax Rules

The 2026 annual gift limit, the lifetime exemption, and how to transfer wealth to family without triggering an IRS review.

🔑
Inherited IRA & 10-Year Rule

What your beneficiaries must do with an inherited IRA — and the tax trap that wipes out a third of an inheritance if ignored.

🛡️
Sequence-of-Returns Risk

Why retiring in a down market can devastate a portfolio — and the withdrawal strategy that protects your savings in any market.

"Every chapter ends with the exact action to take — no guesswork, no jargon, just clear steps."

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AT A GLANCE

Everything You Need. Nothing You Don't.

No filler. No theories. Just the rules, deadlines, and steps that protect your retirement income.

10
Core Rule Chapters
12
Money Traps Covered
2026
Updated Edition
30
Day Guarantee
🧾 Pre-Retirees (55–65)
The decisions you make now lock in your retirement income forever. Get them right the first time.
🏖️ Already Retired
RMD, IRMAA, and withdrawal rules still apply — and most retirees are making at least one costly mistake.
👨‍👩‍👧 Adult Children of Retirees
Inherited IRA rules, estate documents, and benefit timing apply the moment a parent passes.

READER RESULTS

What Readers Are Saying

Real results from people who picked up the Rulebook before making these decisions.

★★★★★

"I was about to claim Social Security at 63. After reading Chapter 1, I waited two more years and my monthly benefit went up by $480. That's over $5,700 a year — for the rest of my life."

Margaret T.
Retired teacher, Ohio · Claimed at 65
★★★★★

"The RMD chapter alone was worth ten times the price. I didn't realize I had the wrong calculation method. Fixed it before the deadline and avoided a $4,200 IRS penalty."

Robert & Carol F.
Retired engineer, Arizona · Age 73
★★★★★

"I missed the Medicare Part B window by 2 months and was paying a lifetime surcharge. The appeals chapter showed me exactly how to appeal it. Got it reversed within 60 days."

Linda K.
Former HR Director, Texas · Age 67

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Instant Access to The Retirement Money Rulebook

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🛡️ 7-Day Money-Back Guarantee. Read the entire book. If it doesn't give you at least one rule that protects your retirement money, email us within 30 days for a full refund. No questions, no forms.

COMMON QUESTIONS

Frequently Asked Questions

Are these rules current for 2026? ▾
Yes. The 2026 Edition has been fully updated to reflect the latest IRS rules, Social Security cost-of-living adjustments, Medicare premium changes, and SECURE 2.0 Act provisions that took effect this year. You receive all future updates free of charge.
I'm already retired — is this still useful? ▾
Absolutely. The RMD rules, Medicare surcharges, Roth conversion windows, and withdrawal strategies apply every single year of retirement. Most already-retired readers find at least two rules they weren't following correctly.
Is this legal or financial advice? ▾
The Rulebook is an educational guide based on publicly available IRS, SSA, and Medicare regulations. It is not personalized financial, legal, or tax advice. We recommend using it as a foundation for conversations with your financial advisor or CPA.
How do I access the book after purchase? ▾
Immediately. The moment your payment is confirmed, you'll receive an email with a secure download link. You can start reading within two minutes on any device — phone, tablet, computer, or e-reader.
What if I want a refund? ▾
If the Rulebook doesn't give you a single actionable rule that protects your retirement money, email us within 30 days for a complete refund. No forms, no waiting, no questions asked.
I don't have a large retirement savings — does this still apply to me? ▾
Yes. The Social Security timing rules, Medicare enrollment windows, and RMD rules apply regardless of account size. Many of the highest-impact rules covered in this book affect people with modest savings the most — because there's less room to recover from an expensive mistake.
Is this different from what I'd find free online? ▾
Completely. The rules exist online — buried in IRS publications, SSA manuals, and Medicare handbooks written in legal language. This book translates them into plain English, connects how they interact with each other, and gives you a clear action for each one. It would take you 40+ hours to find and piece together the same information yourself.

Don't Learn These Rules
After It's Too Late

These are decisions you make once — and live with for decades. The right information now costs $27. The wrong decision can cost you tens of thousands. Get the Rulebook while the launch price is still available.

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The Retirement Money Rulebook
The Retirement Money Rulebook
2026 Edition + Bonus Action Toolkit
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