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When you hear the word retirement, you probably don't imagine yourself scrambling to pay your bills in your golden years. But for too many Americans, that's the fate that awaits unless they take steps now to plan for the future. Whether you’re twenty-five and starting your first job or fifty-five and watching the career clock start to wind down, today is the day to get serious about your retirement. On this episode, Dave recaps episodes 386-389 where Chris Hogan shares some financial and retirement advice from his book, “Retire Inspired: It's Not an Age, It's a Financial Number”

Chris Hogan says, when you start to realize the importance of your financial future, you begin to understand who’s an ally and what’s an enemy. Debt is not an ally. Debt takes away from your income. It demands a payment each and every month. Chris wants us to see debt for what it is, and be smart by intentionally getting rid of debt and keeping it out of your life.

Chris Hogan talks about how obstacles are not stopping points; rather they are proving grounds. It’s important to acknowledge that the obstacle is there, but you can overcome it if you have a plan on how you are going to defeat it. What are you going to do to overcome those obstacles so you can move forward for yourself and your family?

Chris Hogan wants us to understand one key fact: retirement has nothing to do with your age, it has everything to do with a financial number. So it’s not about 65, 62, 70, it’s more about how much money we’re going to need to be able to live the lifestyle we want to live in the future.