USA Today Bestseller

Stop postponing the life you want. Start living more fully today.

You weren’t put on this earth to work a job you hate for 30 years just to earn the right to stop living for the next 30. Yet that’s the deal most of us accept: work hard, sacrifice now, save aggressively and one day (at 65)...you’ll finally live the life you want.

But what if that future never looks the way you imagined? Your health may not cooperate. The relationships you’ve neglected may not be there waiting. The life you keep deferring has a way of not showing up on schedule.

Veteran financial advisor and CADRE co-founder Derek Coburn has a provocative, data-backed case for rethinking retirement entirely and instead building a life you won’t want to escape from.

This isn’t about working forever. It’s about designing a life so fulfilling and aligned with what matters most that you never feel the need to walk away from it.

Here’s what changes everything: when you plan to do meaningful work longer—because you want to, not because you have to—the pressure to save extreme amounts today drops. You reclaim cash flow. You reclaim time. And instead of hoarding life for a future version of yourself, you start living now.

Present fulfillment and future financial security aren’t in conflict. They never were.

Inside, you’ll discover:


Why traditional retirement planning relies on flawed assumptionsHow working longer on your terms can unlock more freedom todayThe financial strategies (and hidden tax traps) most long-term earners missAlternatives to retirement: mini-retirements, sabbaticals, career pivots, and “unretirement”How to stop sacrificing the moments you’ll wish you could relive
Learn how to have more fun in life—without guilt, delay, or waiting for permission from the future.

'Captures what so many of us have felt but struggled to articulate.' — Daniel H. Pink

'A generous, actionable, and useful book.' — Seth Godin