Michael Rubin

Michael B. Rubin is a Certified Public Accountant, Certified Financial Planner professional and author of the bestseller Beyond Paycheck to Paycheck: A Conversation About Income, Wealth, and the Steps in Between. A financial simplification expert, he is frequently quoted in the media.


Michael has personally assisted people from all walks of life meet their financial planning goals. From teenagers to senior citizens and from the extremely wealthy to those living paycheck to paycheck, Michael has been their sounding board and confidant.

Early in his career, Michael worked for the personal financial services practices of public accounting firms Arthur Andersen and PricewaterhouseCoopers. In 2005, he founded Total Candor LLC, a personal financial education company which teaches the basic financial education most people wish they had received years earlier.


Michael holds two business degrees. He received a Bachelor of Business Administration from the Ross School of Business at the University of Michigan and a Masters of Business Administration from the Kellogg School of Management at Northwestern University.

Michael Rubin

Retirement planning isn't that difficult. Unfortunately, you were probably never taught the easy steps to take. Throughout this site, I'll keep things as simple as possible for you. You'll learn what you need to know without needing to sift through pages of trivia. Together, we'll get you on the right track towards a successful retirement, be it forty years, forty months, or forty days away. Remember, no matter your current age, you are never further from retirement than you are right now - so today really is the best day to begin.