Books by Marcia
SOCIAL SECURITY - Lightly Toasted, Not Burnt: How to make your best claiming decision
Social Security is not going bankrupt. It is not a scheme or on the brink of collapse.
Sure, solutions are needed to guarantee that 100% of benefits are paid to eligible retirees. But only Congress can change the law to secure this vital 90-year-old program. And, if history repeats itself, they will wait until the very last minute to act.
So, what should you do today? Think of the program as lightly toasted, but not burnt to a crisp. Yet. And take your time to figure out your best claiming strategy.
Inside this book, you’ll find everything you need to:
- Learn how benefits are calculated.
- Evaluate your options based on marital status.
- See how your claiming decisions impact your financial picture.
- Understand how taxes, work, and Medicare premiums lower your monthly payments.
Social Security is not going away. But making your best claiming decision takes time, effort, and a lot of patience.

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Medicare is incredibly fascinating-for a few. And insanely frustrating-for everyone else. It’s a complex, confusing law that causes anxiety and angst. There are layers, twists, and turns depending on your unique circumstances. And somehow, as you approach 65, you’re supposed to know how to create your own Medicare “recipe” with no directions.
There are parts-the ingredients-to sign up for. Part A. Part B. Part D. And the pieces to add on or not. Medigap. Dental. Vision. There’s even a substitute for Medicare, Part C.
There are three different times when you can sign up, but only one of those times will be the right time for you to avoid a penalty. And it might not be at 65.
Turns out, Medicare isn’t one insurance plan. You don’t make just one decision. But the consequences of your decisions can cost you a pretty penny.
If you’re one of the vast majority who have no idea about Medicare, this book is your best starting place. Think of it like a recipe with ingredients and instructions for success. Inside you’ll find much of what you need to make your own best Medicare decisions:
- The basics about the Medicare law.
- Explanations about the various parts and pieces of Medicare.
- Estimates for how much health insurance is really going to cost.
- Instructions for when to apply on time to avoid penalties.
Plus, you’ll get comparison charts, lists of key questions, instructions for choosing the right parts, and a worksheet to estimate your own complete costs for healthcare once in Medicare.
You’ll see how to avoid gaps in coverage by creating your own Medicare recipe. Really, it’s almost like making chocolate chip cookies. Let’s get started together.

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Cookin’ Up Your Retirement Plan
Life happens in the kitchen. Everything from making pot roast and planning parties to sharing secrets and sneaking snacks. So, there’s probably no better place to talk about your dreams and plans for retirement than at your own kitchen table.
If only you had roadmap or a blueprint—a recipe—for planning this uncertain, unpredictable next era filled with time, space, and opportunity.
Fortunately, Cookin’ Up Your Retirement Plan does just that. This retirement “cookbook” walks you through steps to create your own recipe for retirement. From your kitchen table, simply follow the sections to plan your retirement much like you make a lasagna—by putting together layer by layer of delicious ingredients. Here’s what you’ll find inside:
- Six sections filled with discussion guides and worksheets
- Terrific resources and ideas to explore retirement options
- A unique Plan A, B, +C “retirement menu” for you to create

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What Readers Say
“Cookin’ Up Your Retirement Plan is no ordinary book on retirement, it’s more of a workbook! Or is it a cookbook with great recipes for retirement? It’s as if Marcia leads a class with you following along in the class workbook.”
“Her new “cookbook” for retirement is approachable and a fun tool. Bon appétit!”
What’s the Deal with…
Retirement Planning for Women, 2nd Edition
It’s no secret. Women love to talk. They talk about marriage, motherhood, and their mothers; merlots and martinis; mammograms and menopause. But when it comes to money, forget it. Their lips are sealed.
Well, it is high time for every woman to start talking about money. And where their money will come from to pay for 30 years in retirement.
Wondering where to get started? Right here in this somewhat irreverent, non-traditional, and fun-filled book where Marcia dishes out a baker’s dozen questions that every woman needs to talk about with her spouse, best friends, partner, or her trusted circle.
What’s the Deal with Retirement Planning for Women is a short and snappy read so you can fit it into your jam-packed days. It gives you the ingredients needed to confidently plan for your once-in-a-lifetime retirement.
