Amyr Rocha Lima's book, Enough for What?
You have spent decades building your savings. Now comes the harder question: what life is it all meant to support?
Retirement planning usually begins with pensions, investments and tax, all in service of a single question: have I got enough? A number alone cannot tell you what your retirement should look like, how freely you can spend, or what will give your days meaning when the job no longer does.
In Enough for What?, Amyr Rocha Lima draws on more than two decades as a financial planner to explore the questions that sit beneath the numbers. Can you afford to stop, and what are you retiring to? How do you move from saving to spending without feeling irresponsible? How do you support your children without surrendering your own independence? And what happens when health, relationships or family responsibilities rewrite the plan?
Through stories of retirements that flourished and a few that stalled, with a practical exercise closing every chapter, the book shows you how to:
Write your Life Plan before your financial plan;
Find and rewrite the money stories driving your behaviour;
Design an ordinary retirement week with purpose and structure;
Check the seven gauges of your Retirement Dashboard: money, health, relationships, usefulness, growth, joy and contribution;
Build a meaningful Life List;
Run your own Financial Reality Check; and
Connect your pensions, savings and investments to the life you want.
You will find no fixation here on squeezing the last percentage point from a pension. This is a warm, practical guide for responsible savers approaching retirement, weighing up financial independence, or already settling into life after the final payslip.
Money, in the end, is a tool: for protecting your freedom, supporting the people you love, and doing the things you promised yourself before "one day" becomes too late.
Stop asking only whether you have enough.
Start asking: enough for what?
“At FPSB, we champion a global standard for financial planning because the public deserves advice they can trust. Enough for What? explains beautifully why that matters: good financial planning is not just about money, but about helping people live with greater clarity, confidence and purpose.”
Dante De Gori CFP®
(CEO, Financial Planning Standards Board)
*****
“Financial planning changes lives, but too few people ever see how. Enough for What? is the book that finally lets them in on what good planning is all about from someone who is both skilled and passionate about making sure plans deliver.”
Tracy Vegro OBE
(CEO, Chartered Institute for Securities & Investment)
*****
“A thoughtful and engaging book that tackles the question finance too often sidesteps: not 'how much is enough?' but 'what is it for?' I'm reminded of some old advice that being wealthy is easy once you stop making happiness expensive. In reminding us that money is a means to dignity, purpose, and choice, Enough for What? is a wise guide for anyone approaching retirement with both assets and aspirations.”
Professor Michael Mainelli KStJ
(Lord Mayor of London 2023–2024)
*****
Advance Praise
“This book is very satisfying, ensconced in the wisdom and insights of an experienced planner, and livened with terse wit. I recommend it to all setting out to plan their own great retirement adventure.”
William P. Bengen
(Developer of the 4% Rule, and author of A Richer Retirement)
*****
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The CFP™ certification is the only globally recognised mark of excellence in financial planning and is a degree level qualification. CFP™ professionals have proved their extensive theoretical and practical knowledge.
The Chartered Wealth Manager qualification is a postgraduate level specialist qualification which encompasses the breadth of knowledge needed to provide a highest quality investment management services to clients.
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