Work Less, Live More by Bob Clyatt

The Way to Semi-Retirement

A practical guide to achieving financial independence sooner by combining frugal living, low-cost diversified investing, and flexible withdrawal strategies. It promotes a phased approach—using part-time work to supplement savings—so you can reduce risk, gain freedom, and ease into a more balanced lifestyle. Alongside clear tactics for budgeting, asset allocation, tax efficiency, and healthcare planning, it emphasizes designing a purpose-driven life with more time for relationships, creativity, travel, and community engagement.