Financial Longevity: Increase Your Wealth Span, Spend Money Guilt-Free, and Gain the Confidence to Enjoy Your Bigger Future
- S Nieme
- Feb 28
- 2 min read
5 Star Review

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By Lauren Myers
Financial stability guarantees making it last and guarantees that it supports a happy life, not only about gaining money. Though I have read a lot of wealth accumulation-oriented financial books, this one offers a novel and much-needed approach. It explores the concept of spreading financial well-being to fit the reality of a longer life rather than stressing just how to create financial assets. That viewpoint really spoke to me since it recognizes the difficulties most of us experience: we are living longer, our spending is changing, and conventional retirement planning usually falls short.
What I appreciated most was how practical and relatable the guidance felt. The author provides clear, practical advice to avoid the financial traps many individuals unintentionally get into—those "financial diseases" that gently sap wealth over time. The counsel is about matching financial decisions with long-term satisfaction, not about deprivation or excessive austerity behavior. Given many financial books focus on either extreme saving or high-risk investing, that shift of perspective is quite important. Instead of fear-based decision-making, this book uses a rational, sustainable approach to boost financial confidence.
Another standout aspect is how the book reframes the concept of spending. Many people experience guilt around spending money, even when they can afford to, because they’re unsure how much they’ll need in the future. This book tackles that issue head-on by providing a solid framework for financial longevity—helping readers gain confidence in their ability to spend wisely while still securing their future. That’s a rare and valuable perspective in personal finance, and I found it incredibly reassuring.
The writing is interesting, simple, and free of the usual jargon that overwhelms readers of financial literature. Practical knowledge I could use right away empowered me instead of being paralyzed by technical jargon. The techniques felt real and doable, whether they were changing my perspective on investing, how I view retirement, or just wise spending today.
What truly sets this book apart is the balance between financial longevity and quality of life. It’s not just about making sure your money lasts—it’s about making sure you can enjoy it without constantly worrying. This one of the most useful financial guides I have come across in a long time thanks in great part to that message and the pragmatic structure offered. Anyone trying to create riches that not only improves but also significantly shapes their lives should definitely read this.
Michael Merlin

Michael Merlin is the founder of Merlin Wealth Management (MWM) and a CFP®. In his twenty-plus years as an advisor to families, Michael has always focused on demystifying financial, estate, investment, and philanthropic planning for his clients. With extensive experience in multi-generational planning, advisory techniques, and asset management, Michael has led MWM to recognition by Barron’s, On Wall Street, Forbes, and The Financial Times. Michael lives in Atlanta with his wife, Caren, and their two sons.
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