THE TITLE IS SCARY--AND THAT'S JUST THE BEGINNING. In Die Broke, the No.2 hardback on this month's best-seller list, financial consultants Stephen M. Pollan and Mark Levine offer depressing money-management lessons. Your career may be soaring today, but a soft landing probably doesn't await you at the end, augur the authors. Get ready, boomers: In this life, you're on your own.

Their formula for survival? ''Quit today, pay cash, don't retire, die broke.'' The first of these is deceptive: No, you don't really get to quit. Rather, the authors mean you should ''abandon any remaining tinges of loyalty to your employer'' and always be looking for another, higher-paying job. Then, toss your credit cards and live frugally. Forget retirement, ''an idea that worked for one generation only'' as a result of demographics favoring today's seniors. Finally, plan to use up all of the nest egg you construct, leaving nothing to heirs.

Die Broke provides a useful glossary on such subjects as charitable remainder trusts and reverse mortgages. But first, readers have to endure a fright fest. On pensions we're told: ''Most of you will be fired long before you're vested.'' On consumption, ''make spending as difficult and uncomfortable as possible.'' On life after 50, we're advised to emulate the Japanese, ''who continue on the 'temporary workers' up seniority and promotions and accepting equivalent cuts in their income.'' Hey, Stephen King fans, it doesn't get any better than this.


1 THE MILLIONAIRE NEXT DOOR by Thomas J. Stanley, PhD, and William D. Danko, PhD (Longstreet Press $22) The penny-pinchers shall inherit the earth.

2 DIE BROKE by Stephen M. Pollan and Mark Levine (HarperBusiness $25) Forget about the will--and the conventional wisdom, says a financial adviser.

3 YOU HAVE MORE THAN YOU THINK by David and Tom Gardner (Simon & Schuster $25) Help for the investment-challenged.

4 CHARLES SCHWAB'S GUIDE TO FINANCIAL INDEPENDENCE by Charles R. Schwab (Crown $23) Tips from the discount brokerage CEO.

5 HOW TO RETIRE RICH by James O'Shaughnessy (Broadway $25) Number-crunching your way to the golden years.

6 BUFFETTOLOGY by Mary Buffett and David Clark (Scribner $27.50) An ex-daughter-in-law's take on Buffett's techniques.

7 SELLING THE INVISIBLE by Harry Beckwith (Warner $15) A collection of bite-size lessons on marketing.

8 THE NEW RULES OF MONEY by Ric Edelman (HarperCollins $25) Rules? There are rules?.

9 EVERY INVESTOR'S GUIDE TO HIGH-TECH STOCKS & MUTUAL FUNDS by Michael Murphy (Broadway $27.50) A Worth columnist's insider tips.

10 THE COMMANDING HEIGHTS by Daniel Yergin and Joseph Stanislaw (Simon & Schuster $26) The march of globalization recounted.

11 WALL STREET MONEY MACHINE by Wade B. Cook (Lighthouse Publishing $24.95) A former cab driver's formulas for striking it rich.

12 ONLY THE PARANOID SURVIVE by Andrew S. Grove (Currency $27.50) Intel's CEO describes how to turn crises into moments of opportunity.

13 THE PROFIT ZONE by Adrian J. Slywotzky and David J. Morrison with Bob Andelman (Times Business $25) Reshaping your business to move where the money is.

14 THE CIRCLE OF INNOVATION by Tom Peters (Knopf $30) ''Create waves of lust,'' says business writing's No.1 cheerleader.

15 MAKING THE MOST OF YOUR MONEY by Jane Bryant Quinn (Simon & Schuster $30) An updated edition of the columnist's 1991 guide.


1 THE SEVEN HABITS OF HIGHLY EFFECTIVE PEOPLE by Stephen R. Covey (Fireside $12) Habitually popular.

2 THE MOTLEY FOOL INVESTMENT GUIDE by David and Tom Gardner (Fireside $12) The online duo puts it on paper.

3 THE ERNST & YOUNG TAX GUIDE 1998 by the Tax Partners and Professionals of Ernst & Young LLP (Wiley $15.95) Nuts and bolts.

4 THE MOTLEY FOOL INVESTMENT WORKBOOK by David and Tom Gardner (Fireside $12) ''So, where do I find stocks?'' and other queries, asked and answered.

5 J.K. LASSER'S YOUR INCOME TAX 1998 by the J.K. Lasser Institute (Macmillan $14.95) Time to fire up the calculator.

6 THE 1998 WHAT COLOR IS YOUR PARACHUTE? by Richard Nelson Bolles (Ten Speed Press $16.95) The enduring job-search bible.

7 1001 WAYS TO REWARD EMPLOYEES by Bob Nelson (Workman $10.95) Give them a champagne brunch, a casual-dress day--or plain old cash.

8 BUILT TO LAST by James C. Collins and Jerry I. Porras (HarperBusiness $14) How 3M, Wal-Mart, Procter & Gamble, and others became standouts.

9 YOUR MONEY OR YOUR LIFE by Joe Dominguez and Vicki Robin (Penguin $11.95) To achieve financial independence, restructure your life.

10 INVESTING FOR DUMMIES by Eric Tyson, MBA (IDG Books $19.95) From stocks to small business--with cartoons, too.

11 THE WALL STREET JOURNAL GUIDE TO UNDERSTANDING MONEY AND INVESTING by Kenneth M. Morris and Alan M. Siegel (Fireside $13.95) Concise explanations enriched with graphics.

12 BARRON'S DICTIONARY OF FINANCE AND INVESTMENT TERMS by John Downes and Jordan Elliot Goodman (Barron's $11.95) What is an oligopsony anyway?

13 PERSONAL FINANCE FOR DUMMIES by Eric Tyson (IDG Books $19.95) Lighthearted primer.

14 HOME BUYING FOR DUMMIES by Eric Tyson and Ray Brown (IDG Books $16.99) Getting your dream house.

15 TAXES FOR DUMMIES by Eric Tyson, MBA, and David J. Silverman, EA (IDG Books $14.99) A line-by-line how-to.



Updated Mar. 26, 1998 by bwwebmaster
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