In light of Independence Day, Hogan shares ideas on how you can imagine and then activate your future dreams. Also featured in this episode: Hear from the People, a new Millionaire Moment, and Professor Hogan makes a cameo appearance to define investing terms sent in from VIPs.
0:28—WELCOME
1:28—IMAGINE AND ACTIVATE YOUR FUTURE
20:23—LISTEN UP VIPS
23:05—HEAR FROM THE PEOPLE
*For more information, listen to Episode #24: The Ultimate 401(k) Questions
29:50 —PROFESSOR HOGAN
The good professor breaks down big financial words and pop-culture terms emailed in from VIPs:
36:02—MILLIONAIRE MOMENT
Do you want to reach your wealth-building goals? Click here for help.
39:02—RALLY CRY WRAP UP
The podcast is a year old and we’re just getting started! This episode features Hogan’s 6-Point-Plan so you can get un-stuck and start moving forward. To celebrate the podcast’s anniversary, this episode includes a special segment, “Voices of our Community.” Also featured in this episode are The Takeaway (Financial Farming), and Wake Up Calls.
0:29—ANNIVERSARY WELCOME AND CHALLENGE
0:59—VOICES OF OUR COMMUNITY
Many of our VIPs at a recent conference wanted to share their retirement dreams and give personal messages to Hogan about the podcast.
5:48—FROM STUCK TO MOVING FORWARD
Suggestions: The Go-Getter (Peter B. Kyne); Rhinocerous Success (Scott Alexander)
22:44—LISTEN UP VIPS
24:38—THE TAKEAWAY: FINANCIAL FARMING
Even though he grew up in Kentucky, Hogan was never a farmer, but he was around it a lot. His takeaway for financial farming:
31:31 —WAKE UP CALLS
Do you want to be a self-made millionaire? You need a plan! (41:47) Click here for help.
42:33—RALLY CRY WRAP UP
Hogan wants to invite you to be a part of his rapidly growing online community. Go on Facebook and search: Hogan’s Retirement Challenge and sign up to join.
Have you done your R:IQ? The Retire Inspired Quotient is a free online retirement calculator. Go to https://www.chrishogan360.com/riq/.
When you’re in debt, you’re making others wealthy—especially the bank! When you invest that money instead, you’re building wealth for yourself and your loved ones. In this episode, Chris Hogan gives you practical steps to get on track with growing wealth. As a bonus, to celebrate the 25th Anniversary of The Dave Ramsey Show, Hogan recalls a classic Dave story you probably never heard. Also featured in this episode: Retire Inspired poetry; Hear from the People; and a new Millionaire Moment.
0:29—WELCOME
1:30—A CLASSIC DAVE RAMSEY MOMENT
In light of the 25th Anniversary of The Dave Ramsey Show, Hogan recalls a time at an event where he was eyewitness to a classic Dave moment.
6:08—WEALTH BUILDING PLAN
22:33—LISTEN UP VIPS
Chris gives a call back to Episode #26: You or Your Kids. He references an article that offers credit card tips to college students. Hogan gives his own advice for college students about living out their dreams so credit card companies don’t live out theirs. Article link: MSN article 7-credit-card-tips-for-soon-to-be-college-grads
Remember to share the RI podcast and subscribe! No one can promote our podcast better than you! Your friends and family can find the podcast on chrishogan360.com or on the following apps: Apple Podcasts, GooglePlay, and Stitcher.
26:10—THE SMOOTH, COOL POET
Hogan puts the beanie back on. With the aid of a little jazz, he performs retirement poems written and submitted by several VIPs:
From Phil (@26:37)
From Will (@28:18)
From Krystal (@28:59)
Write a poem you for Hogan to perform! Email it to: podcast@chrishogan360.com. Subject line: Poem.
30:24—HEAR FROM THE PEOPLE
A listener has a Baby Step 4 question about pensions, percentages and “gravy on the biscuit” (@30:57)
A 47-year-old listener asks a question about retirement savings and debt in regard to a ROTH investment (@33:18)
37:34—THE MILLIONAIRE MOMENT
Meet Ron, a self-made millionaire with a net worth of over 3 million dollars. He learned early on how to remove the word “can’t” from his vocabulary. Do you want to be a self-made millionaire like Ron? Then you need an investing plan. Click here for help:
40:38—RALLY CRY WRAP UP
Have you done your R:IQ? The Retire Inspired Quotient is a free online retirement planning tool at chrishogan360.com.
Hogan wants to invite you to be a part of our rapidly growing online community. Go to Facebook and search: Hogan’s Retirement Challenge. Then click to join!
What’s the secret to progress? Hogan wants to share his formula with you. He calls it his progress theorem. And he has a challenge for you on applying it to your goals. Also featured in this episode: Coach Hogan’s Halftime Speeches; Hear From the People; The Takeaway: Building Instructions; and The Millionaire Moment.
0:29—WELCOME
1:20—HOGAN’S SECRET FOR PROGRESS
The basement (@4:24)
Your body follows your head (@8:05)
The Progress Theorem (@11:37)
P = G + E – Ex / T x W
PROGRESS = GOALS + EFFORT – EXCUSES/TIME x WHY
Progress Application Challenge (@18:23)
20:46—LISTEN UP VIPS
At daveramsey.com, we are giving away $20,000 throughout the month of May. You can enter your name each day to try to win your share!
In less than a year, we have officially passed the two-million downloads mark! We thank you VIPs! Share the podcast and tell your friends and family to subscribe at the App Store, GooglePlay, or Stitcher.
We want your feedback. Give us your ideas on subjects that would make great deep-dive content for you! Email us at podcast@chrishogan360.com.
23:01—COACH HOGAN HALFTIME SPEECHES
Hogan has collected more speeches written by listeners who need a little encouragement to keep going. Straight from the locker room, Coach Hogan offers a couple of halftime speeches:
For Michael and Sonya (@24:27)
For Jevonnah (@26:30)
28:27 —HEAR FROM THE PEOPLE
A listener shares about truth bombs and binge listening (@29:02)
A listener has a question about investing in light of his wife’s medical situation (@29:59)
32:07 —THE TAKEAWAY: BUILDING INSTRUCTIONS
To build wealth:
41:34—THE MILLIONAIRE MOMENT
Hogan shares the story of David and Leah, a self-made millionaire couple whose net worth is over $2.2 million. They share their opinions about how best to invest: don’t be impulsive, leave the investments alone, and watch them grow.
44:37—CALL TO ACTION
Hogan wants to invite you to be a part of our rapidly growing online community. Go on Facebook and search Hogan’s Retirement Challenge.
Help your circle of influence by telling them about the Retire Inspired Quotient tool (R:IQ) at chrishogan360.com. While they’re online, they can click on Dream Team to find investing help from our SmartVestor Pros.
Which should come first for you: save for retirement or college? There’s a 50% chance that your child will go to college and graduate, but there’s a 100% chance that you will retire—and possibly sooner than you think. In this episode, Chris talks about wants versus needs and higher education versus higher awareness. He offers several tips for parents who are thinking about their kids’ college and hoping to retire inspired. Also featured in this episode: a Hogan rant; Wake-Up Calls; The Takeaway: The Comeback; and a new Millionaire Moment.
0:28—WELCOME
1:30—YOUR KIDS’ COLLEGE VERSUS YOUR RETIREMENT
Hogan discusses the pressing dilemma of paying for kids’ college versus saving for retirement. He offers seven principles:
22:13—LISTEN UP VIPS
At daveramsey.com, we are giving away $20,000 throughout the month of May. You can your name each day to try to win your share! Email us your retirement dreams and wins @ podcast@chrishogan360.com.
23:24—HOGAN RANT
Hogan references a survey in which 84% of people say they have less than $10,000 in their savings.
29:04—WAKE-UP CALLS
Hogan talks with three people:
39:20 —THE TAKEAWAY: THE COMEBACK
Hogan gives solid advice on what to do when you’ve made financial mistakes.
46:02—THE MILLIONAIRE MOMENT
Hogan shares insight from a self-made millionaire couple in their 30s, Victoria and Jeremy, whose net worth is over $1.2 million. They’re first generation millionaires who understand the importance of money management and giving.
48:35—CALL TO ACTION
Hogan wants to invite you to be a part of our rapidly growing online community. Go on Facebook and search: Hogan’s Retirement Challenge.
Help your circle of influence by telling them about the Retire Inspired Quotient tool (R:IQ) at chrishogan360.com
Who doesn’t want extra money? In this episode, Hogan reminds you to go after it! He shares his thoughts on how to find extra retirement money. He also wants you to use your talents to make extra money to reach your financial goals. To discuss that, speaker and author Christy Wright stops by to talk. Her new book, Business Boutique, is the definitive book on equipping women to make money doing what they love. Also featured in this episode are The Takeaway: The Big Bad Wolf; Hear From the People; and Millionaire Moment.
0:29—WELCOME
1:28—HOW TO FIND EXTRA RETIREMENT MONEY
6 ways to earn extra money:
Apply Hogan’s Triple-A Process (@7:36)
Your challenge: List three to five things you can do to earn extra money (@8:50)
Don’t judge the ideas; just list them. Rank them. Search online to find out where you can do that job.
13:30—A CONVERSATION WITH CHRISTY WRIGHT
To purchase Business Boutique, go to BusinessBoutique.com
31:19—HEAR FROM THE PEOPLE
Hogan answers a question about mortgage debt, Roth investing options, and mutual funds (@31:36).
Hogan answers a question from a debt-free listener whose parents have no retirement savings (@35:31).
40:58—THE TAKEAWAY: THE BIG BAD WOLF
Hogan talks about how the children’s story The Three Pigs can teach adults important retirement principles. Get the right tools. Build now. Share your story.
Reference: 10 Lessons Kids Can Learn From the Three Little Pigs
48:58—THE MILLIONAIRE MOMENT
Hogan shares insight from a self-made millionaire, Andy, whose net worth is over $2.5 million. Listen to his thoughts on acceleration.
51:23—CALL TO ACTION
FINAL SPECIAL EVENT OFFER: If you’d like to see Chris Hogan at the Retire Inspired live event in San Antonio on May 6, you can get $10 off! Go to chrishogan360.com and click on “Events” to purchase your seat. At checkout, use the code HOGANPODCAST.
The 401(k) is a tool for building your financial future, but many people have questions about it. So many people have emailed Hogan regarding the subject that we’ve dedicated an entire episode to take an in-depth look at the 401(k), 403(b), and other similar investing options. He also answers some of the most common questions asked about the topic. Also featured in this episode: Exclusive Backstage Access from a recent Retire Inspired Event; The Takeaway: Mountain Climbing; and a new Millionaire Moment. Professor Hogan also makes a cameo appearance and defines financial jargon and pop culture terms.
0:28—WELCOME
1:40—401(K) QUESTIONS
Emails with questions about all things 401(k) have flooded in. Hogan responds with answers that make sense. Here are the topics and time codes:
Tools and bridges (@2:22)
Baby-step skippers beware (@3:08)
401(k) defined (@6:04)
Don’t uproot the bush (compound interest) (@6:42)
Differences between 401(k), 403(b), 457, and TSP (@8:16)
Investing options and professional help (@9:39)
How do the 401(k) and Roth 401(k) actually work? (@10:16)
Employer matching (@12:08)
Changing employers and roll overs (@13:30)
Common questions and answers (@14:50)
For more information:
Go to chrishogan360.com for articles about the 401(k) and other similar investing options.
While on Hogan’s site, click on “Dream Team” and connect with a SmartVestor Pro who can answer your specific investing questions.
Check out Chris Hogan’s book, Retire Inspired: It’s Not An Age; It’s a Financial Number. Both Chapter 5 and Chapter 6 address the topic of investing.
20:56—EXCLUSIVE BACKSTAGE ACCESS
Listen in on another VIP backstage experience, the Q&A session, at one of the Retired Inspired live events. Hogan and a SmartVestor Pro answer questions on investing and retirement:
Hogan answers a question about spouses and home repairs (@21:22).
Hogan and a SmartVestor Pro answer a question about investing options (@23:59).
Hogan and a SmartVestor Pro answer a question about investing 15% and the Roth 401(k) (@27:07).
Hogan answers a question about mortgage payments and investing amounts (@29:14).
31:40—SPECIAL EVENT OFFER
If you want to see Hogan live, we’re offering $10 off his events in April and May. Go to “events” on the menu bar at chrishogan360.com and use the code HOGANPODCAST at checkout.
32:12—PROFESSOR HOGAN
Professor Hogan breaks down and defines more of those ten-dollar financial terms that seem like a bunch of gobbledygook.
What are non-managed index funds and managed mutual funds? (@32:53)
From Rachel Cruze’s book, Love Your Life Not Theirs, what is a “life hack”? (@33:47)
What exactly does ROI stand for and mean? (@34:46)
What are the age ranges for millennials, Gen X, and Gen Y? (@35:28)
37:36—THE MILLIONAIRE MOMENT
Hogan shares insight from a self-made millionaire, Carolyn, whose net worth is over $1.3 million. She proves that living like no one else now is worth it in the long run.
40:17 —THE TAKEAWAY: MOUNTAIN CLIMBING
49:08—CALL TO ACTION
Help your circle of influence by telling them about the Retire Inspired Quotient tool (R:IQ) and the investing professionals called SmartVestor Pros. Information on both are at chrishogan360.com
Email us your retirement dreams or wins, your halftime speeches, and your Retire Inspired poetry. Send them to podcast@chrishogan360.com. You can also write a review of the Retire Inspired podcast on iTunes and subscribe to future episodes.
You’re waiting to see if your tax refund will be good. But have you thought about how to best apply it to your financial future? It’s a good time of year for a perspective shift and Hogan will help your future stay in high definition. Not only that, but your retirement coach has a new challenge and an invitation to a community of future dreamers. Other features in this episode include “Veshona’s Story” (an attendee at a recent Retire Inspired Live event), The Takeaway, and a new Millionaire Moment.
0:35—WELCOME
1:49—YOUR TAX REFUND IS NOT A BONUS
Hogan has insight about how the baby steps and your tax refund can go hand in hand. Wherever you are in the baby steps, use the following suggestions.
Baby Step 1—If you haven’t completed your $1,000 emergency fund yet, put your tax refund toward this.
Baby Step 2—No matter what kind of debt you have, apply that refund to the biggest amount right away.
Baby Step 3—If you’re out of debt, take that tax refund and create an emergency fund 3-6 months of your expenses.
Baby Step 4—You’re ready to invest toward your retirement dream! Why not use the refund toward investing? You need to know your Retire Inspired Quotient. Go to chrishogan360.com/riq. Once you know your number, you can get excited about investing.
Baby Step 5—If you’ve made it this far, you could apply the refund toward your children’s college.
Baby Step 6—If you’re on this step, you can apply your tax refund toward paying off that pesky mortgage..
Baby Step 7—At this point, you have freedom to build your wealth and have no constraints. You’re allowed to just have some fun with your tax refund money!
15:34—LISTEN UP VIPS (HOGAN’S HIDDEN SAVINGS CHALLENGE)
Five weeks, 10 tasks to complete. If you want to supercharge your investing and saving, join us for Hogan’s Hidden Savings Challenge. You’ll learn how to stop bad money habits, simplify your life, and save for the future. You’ll also be invited to join Hogan’s Retirement Challenge Facebook group, where you can hear from others who share your money goals. You can register at chrishogan360.com. Look for CHALLENGE on the menu bar. You can also follow Hogan on social media for details.
17:11—STORY SPOTLIGHT: VESHONA
Veshona has a clear plan for her future and she wants to share it with others. She has no problem with sacrifice and can give you the details of her retirement dream. At a recent Retire Inspired Live event, she shared her passion and focus. Listen, learn and apply it to your situation! If you want to see Hogan live, we’re offering $10 off the Smart conferences in April or the Retired Inspired conferences in May. Go to “events” at chrishogan360.com and use the code HOGANPODCAST at checkout.
23:37—HEAR FROM THE PEOPLE
Hogan reads and responds to two emails:
A listener shares her own personal battle cry (Hogan discusses having a battle cry in Episode #7 @29:11).
A 60-year-old retiree wants to know if her investment risk should correlate to her age. She has a net worth of over a million dollars and has $700k in savings.
30:13—THE TAKEAWAY: THE RIPPLE EFFECT
36:03—THE MILLIONAIRE MOMENT
Hogan shares the story of a self-made millionaire, Leslie, whose net worth is over $1.9 million. Leslie’s mentality is forward-thinking! She has little time for trivial things because she’s busy making smart decisions.
38:39 —RALLY CRY WRAP UP
39:28—CALL TO ACTION
If you subscribe to this podcast, you are looking to retire inspired. But what about your parents? If they aren’t on solid financial ground, you may be able to help them. Hogan gives you several guidelines for helping your parents with their money. Other features include “Andy’s Story” (an attendee at a recent Retire Inspired event), The Takeaway, and The Millionaire Moment.
0:28—WELCOME
1:43—RANT AND CHALLENGE
“81% of Americans don’t know how much they need to retire.” (cnbc.com/2017/02/15/80-of-americans-dont-know-how-much-they-need-to-retire).
7:41—IF YOU WANT TO HELP MOM AND DAD
Hogan wants you to avoid some mistakes he has seen, so he gives you questions to ask and guidelines to follow:
Can you afford to help them financially?
Is the financial help you are providing for something fun, or is it taking care of your parents’ fundamental needs?
Is the financial help a loan or a gift?
Are your parents also willing to help themselves financially?
Make sure your parents understand the clear path to progress.
If you want to help your parents financially, you and your spouse need to be in agreement 100%.
If you do help your parents financially, point them to additional help and proper resources.
23:22—STORY SPOTLIGHT: ANDY (FROM A RECENT RETIRE INSPIRED EVENT)
Because of the way he lives, Andy is a 22-year-old who is writing his own retirement success story. No one is doing it for him. At a recent Retire Inspired Live event, he told us about his determination. Listen, learn and apply it to your situation!
29:29—HEAR FROM THE PEOPLE
Hogan reads and responds to two emails:
A listener thanks Chris for his “Big Pop” story and shares her own personal battle cry (Big Pop story- Episode #7: @14:02, Battle Cry- Episode #7: @29:11).
A listener shares her R:IQ experience and Hogan responds by talking about leaving a legacy.
34:12—THE TAKEAWAY: TIPS TO INVEST YOUR CAREER
43:12—THE MILLIONAIRE MOMENT
Hogan shares the story of a self-made millionaire, Mike, from the state of Washington, whose net worth is over $1.2 million. Mike’s mentality is inspiring!
45:18 —RALLY CRY WRAP UP
45:53—CALL TO ACTION
You can avoid making rookie mistakes! Chris Hogan shares several ways you can on your road to retirement. He also introduces a new segment called the Millionaire Moment, in which he talks with everyday millionaires about the steps they took to reach this milestone. Also in this episode, you’ll get exclusive backstage access to one of Hogan’s Retire Inspired events as Hogan and a SmartVestor Pro answer questions from the audience. Other features include The Takeaway and the Hear from the People segment.
0:28—WELCOME
1:43—YOU DON'T HAVE TO BE A ROOKIE
Hogan discusses common rookie mistakes and how to avoid them:
Thinking too small
Not believing what’s possible
Wandering around
Getting lost and staying lost
Not grabbing low-hanging fruit
Not getting started
Fostering a victim mentality
Having no map
18:31 — LISTEN UP VIPs
For a special event discount, go to chrishogan360.com and choose Retire Inspired Event. Use the code HOGANPODCAST at checkout for $10 off.
Don’t forget our musical anthem gift: A MILLION STRONG (VIP ANTHEM).
Send us your retirement dreams and wins, your halftime speeches, and your retirement poems for Hogan to read. We want to hear from you! Send us an email today: podcast@chrishogan360.com
20:08 —EXCLUSIVE BACKSTAGE ACCESS
Listen in on the VIP backstage experience, the Q&A session, at one of the Retired Inspired live events. Hogan and a SmartVestor Pro answer questions on investing and retirement:
Hogan answers a question about paying off a mortgage (@20:32).
A SmartVestor Pro answers a question about finding the right advisor (@22:15).
Hogan answers a question about refinancing a home (@25:53).
29:15 —HEAR FROM THE PEOPLE
Hogan reads and answers two emails:
A listener wants information about investing going forward.
A listener asks a question about the R:IQ tool.
34:25 —THE TAKEAWAY
39:17 —THE MILLIONAIRE MOMENT
This new segment focuses on the mindset and mentality of self-made millionaires. In this episode, Hogan shares a conversation with Paul, from TN, whose net worth tops $1.3 million.
41:46 —RALLY CRY WRAP UP
42:21—CALL TO ACTION
Go to chrishogan360.com to discover your R:IQ. While you’re on the website, click “Dream Team.” There, you can connect with a SmartVestor Pro for investing help and ELPs for insurance, tax services, and real estate assistance.
Email us your retirement dreams or wins, your halftime speeches, and your Retire Inspired Send them to podcast@chrishogan360.com. You can also write a review of the Retire Inspired Podcast on iTunes and subscribe to future episodes.
All of us are impacted by real estate. Hogan walks you through some vital information in a 4-part special on: The Right Agent, The Right Price, The Right Listing, and The Right Offer.
You can get the link to the Home Seller's PDFs by text: Text HOMESELLER to 77948
You can also download the Home Seller's PDFs at chrishogan360.com
Rejoin our regular episodes March 1, 2017 and listen to Hogan discuss Rookie Mistakes!
Hogan believes financial investing (Baby Step 4) is crucial to your retirement dreams. But what about other key investments you must make? As a bonus, Hogan talks to guest Dr. Meg Meeker about the relationships you should invest in. Hogan also does a deep dive and challenges you to invest in yourself so you can become the best version of you possible. The episode also features The Takeaway and responses to listener emails.
0:32—WELCOME
1:37—ARE YOU A LISTENER OR A SUBSCRIBER?
Hogan wants to talk to you about some benefits of subscribing to the Retire Inspired podcast.
4:09—CONVERSATION WITH DR. MEG MEEKER
Hogan sits down with his friend and fellow author/speaker/podcaster Dr. Meg Meeker to discuss the importance of investing in your future relationships.
23:08—INVEST IN YOURSELF
Hogan challenges you to invest in yourself as you invest money toward your future retirement dreams. He offers multiple tips on how to invest in your personal life:
Start the day off right.
Redirect your time so that none of it is wasted.
Get organized.
Make “Wanna-Do” and “Gonna-Do” lists.
Be a money boss.
Defend your sanity. Schedule free time for yourself.
Set goals but think of them as promises.
Do things that make you smile.
Be true to yourself.
Build your confidence.
Network outside your bubble.
Decide to be happier than ever before.
33:30—LISTEN UP VIPs
Join Hogan’s next retirement challenge. Text RETIRE to 77948 to sign up.
Interesting in hearing Chris Hogan live? Go to chrishogan360.com and choose one of the “Retire Inspired” events. Use the code HOGANPODCAST at checkout for $10 off the admission price!
We want to hear from you! Send us an email today: podcast@chrishogan360.com
35:10—HEAR FROM THE PEOPLE
Hogan reads and answers two emails:
A listener talks about saving ahead.
A listener asks a question about real estate.
41:39—THE TAKEAWAY: OUR ELP PROGRAM
Hogan breaks down the dream team in the ELP (endorsed local provider) program on his website. You can find people in your area who specialize in insurance, taxes, and real estate.
Hogan gives a 3-point-takeaway about reaching out to ELPs:
Don’t overthink it. Just call!
Have an actual phone conversation to get information.
Set an appointment to interview them.
51:31—RALLY CRY WRAP UP
Hey subscribers! Look for a special podcast—The Home Seller’s Special—that drops on February 22. Then pass it along to friends who might need it!
A Million Strong (VIP Anthem)
Don’t forget about the custom music track we created for you. A preview debuted on the last podcast episode, but you can listen the entire song here:soundcloud.com/a-million-strong-vip-anthem
52:12—CALL TO ACTION
Go to chrishogan360.com to discover your R:IQ. While you’re on the website, click “Dream Team.” There, you can connect with a SmartVestor Pro for investing help and ELPs for insurance, tax services, and real estate assistance.
Email us your retirement dreams or wins, your halftime speeches, and your Retire Inspired poetry. Send them to podcast@chrishogan360.com. You can also write a review of the Retire Inspired Podcast on iTunes and subscribe to future episodes.
This episode focuses on avoiding future money mistakes by addressing four things you must know about retirement. As a bonus, Hogan gives you a step-by-step process for overcoming past mistakes. Also in this episode, you’ll gain exclusive access into the VIP Backstage Experience at one of the Retired Inspired live events. You’ll hear Hogan and a SmartVestor Pro answer questions from the crowd—the same kind of questions you might have. Other features include Hogan’s Takeaway and the Hear from the People segment, during which Hogan responds to emails about self-made millionaires, goals, and your R:IQ.
0:00—WELCOME
1:58—FOUR THINGS ABOUT RETIREMENT TO AVOID FUTURE MISTAKES
If you can avoid future money mistakes, regret can’t creep in:
Know your retirement dream. This is your starting point, so give it deep thought.
Know your R:IQ. How much will you need to live your dream retirement? Go to chrishogan360.com/riq to find out.
Know your next steps. From budgeting to getting out of debt and beyond, follow the Baby Steps (outlined in Chris Hogan’s Retire Inspired book).
Know where to go for help. Get with a professional who can answer your retirement and investing questions. Go to Hogan’s website at chrishogan360.com/dreamteam.
17:48—LISTEN UP, VIPS
Hogan has some special announcements. We want to hear from you! Send us an email today at podcast@chrishogan360.com.
18:53—EXCLUSIVE BACKSTAGE ACCESS
Listen to highlights from the VIP Backstage experience at one of the Retired Inspired live events. Hogan and a SmartVestor Pro answer questions on investing and retirement.
Hogan answers a question about when to start investing to reach $1 million net worth (@19:29).
A SmartVestor Pro answers a question about 401(k)s (@21:47).
Hogan answers a question about talking to parents about retirement (@26:12).
28:58—THE TAKEAWAY: OVERCOMING YOUR LAST MISTAKE
Every mistake has a lesson attached to it. You can overcome what’s keeping you from your retirement dreams:
See the mistake. What could you do different?
Understand the mistake. Why did it happen and what did it cost you?
Own the mistake. Don’t blame outside factors or somebody else.
Forgive yourself. Don’t hold it against yourself, but remember it to avoid similar mistakes in the future.
Let it go . . . mostly! Put some dollar amount safeguards in place.
39:49—HEAR FROM THE PEOPLE
Hogan reads and answers emails:
A self-made millionaire wants you to know “this works!” (@40:07).
A woman gives feedback about Episode #16: Goals and Effort Must Be Aimed (@42:09).
A woman has questions about her R:IQ (@43:34).
45:30—RALLY CRY WRAP-UP
A Million Strong (VIP Anthem)
Don’t forget about the custom music track we created for you. A preview debuted on the last podcast episode, but you can listen the entire song here:
soundcloud.com/a-million-strong-vip-anthem
46:51—CALL TO ACTION
Go to chrishogan360.com to discover your R:IQ. While you’re on the website, click “Dream Team.” There, you can connect with a SmartVestor Pro for investing help and ELPs for insurance, tax services, and real estate assistance.
Email us your retirement dreams or wins, your halftime speeches, and your Retire Inspired poetry. Send them to podcast@chrishogan360.com. You can also write a review of the Retire Inspired Podcast on iTunes and subscribe to future episodes.
Hogan has special guest Dave Ramsey on to continue the self-made millionaire conversation. In fact, this episode is called MILLION because that word touches everything Hogan shares. He also gives his Takeaway to jump-start your millionaire mentality and then features a story spotlight about Terry, a retired teacher who happens to have a net worth of over 1.3 MILLION dollars! That’s right, a teacher who became a self-made millionaire. Also, the Retire Inspired podcast has a reason to celebrate the word MILLION: the podcast has officially crossed over ONE MILLION PLAYS because of you VIPs! So join the celebration with a few episode goodies.
0:00—WELCOME
1:43—CONVERSATION WITH DAVE RAMSEY
Hogan talks to Dave about the millionaires he has had on his talk show over the years. The two of them break down the mentality and actions a self-made millionaire.
29:28—POST-CONVERSATION BREAKDOWN—THE SELF-MADE MILLIONAIRE
Hogan breaks down the conversation with Dave.
HAVE A WHY. You must tap into that reason to keep you motivated and millionaire-bound.
STAY A STUDENT. Self-made millionaires study other millionaires and their practices.
FOLLOW AN INVESTMENT STRATEGY. Be consistent, and think long-term; make sure it’s easy enough to explain it to a 7th grader.
31:27—THE TAKEAWAY
Hogan wants you to get feisty if you want to reach that millionaire status.
Be bold.
Go on the offensive and grow your retirement fund.
Get on the defensive to protect your wealth.
40:29—STORY SPOTLIGHT - "DRIVEN"
Meet Terry, the 72-year-old millionaire. From poverty to learning disabilities, this woman overcame it all to reach a net worth of 1.3 million.
47:03—CELEBRATION AND SURPRISES
YOU DON’T WANT TO MISS THIS! Hogan’s team surprises him during his announcement that the Retire Inspired podcast has hit its first million plays. He had no idea how big the celebration would be.
So how do you celebrate such a milestone? With a cake? That’s a good start, but we have a gift for you VIPs. We could not have passed one million plays without you. So here’s your gift: a rap music anthem! Only the preview of it debuts on the podcast, but the link to the entire song is beneath the following lyrics.
A MILLION STRONG (VIP ANTHEM)
Written/performed by David Wilkinson Produced by James Childs
Humble beginnings, small Kentucky town,
Momma Hogan raised him right, but still he looked around and wondered,
“Should I go play ball, or get in the ring and fight?
But God, do you have a bigger dream for me tonight
that I cannot see with my own eyes?”
That’s when Hogan finally realized that all he had do was believe
that one day God would put him up on a stage and put him on a podcast mic
and rock A MILLION PLAYS!
No, never going back ‘cause he knows that…
I was made for this, and I ain’t going out ‘til I take it…
what I came to get, I was made for this…
and I will never lose I was made for this… just face it…
I was made for this…
Yeah, we’re calling all VIPs, saddle up!
Our posse is ready ‘cause Hogan’s on the hunt
A man on a mission, nomadic with vision, so make your decision:
Will you choose to leave all your broken dreams behind you?
And ride to the fight to destroy what will bind you?
The anthem we ride to, it didn’t start today but when you pressed play
Now a million strong…
Believe your dreams are coming true, grab the reigns and sing along
‘Cause this is your song…
I was made for this, and I ain’t going out ‘til I take it… what I came to get…
I was made for this, and I will never lose I was made for this… just face it…
I was made for this, and I ain’t going out ‘til I take it… what I came to get…
I was made for this, and I ain’t going out I was made for this…
And I will never lose… I was made for this…
Remember the door where you left your excuses
Remember this day, remember that you must choose this
And never forget that nobody gives you anything
A fighter’s legit when unafraid to take everything
Don’t matter the opponent and no matter the moment
If you got a dream VIPs you got to get bloody
No retreat or surrender, no begging, no barter
Take every single shot and show them you can hit harder!
So be strong and sing along…
I was made for this… I was made for this… just face it… I was made for this!
Our gift to you! The full version is waiting for you here:
soundcloud.com/user-849877986/a-million-strong-vip-anthem
52:21—CALL TO ACTION
Go to chrishogan360.com to discover your R:IQ. While you’re there, click “Dream Team.” Then connect with a SmartVestor Pro for investing help and ELPs for insurance, tax services, and real estate assistance.
Also, email us your retirement dreams or wins, your halftime speeches, or your Retire Inspired poetry. Send them to podcast@chrishogan360.com. You can also write a review of the Retire Inspired podcast on iTunes and subscribe to future episodes.
Happy New Year! Your daily effort has to be aimed. There is a mental aspect and obligation to setting your goals. Do you have new year’s resolutions? Hogan has 15 tips for your New Year on how to not just set goals but aim for them. Align your heart and your head toward a common goal for your retirement dreams. Make 2017 your year of escalation. Other featured segments include: Hear From The People, Coach Hogan’s Halftime Speeches, and Hogan’s patented 3-point-takeaway. Jump start your new year VIPs!
0:00 – WELCOME
1:54 – TIPS ON HOW YOU CAN MAKE YOUR GOALS MORE EFFECTIVE
Chris shares 15 tips as you look at your new year’s goals:
THINK– Spend time thinking about what you are serious about accomplishing.
GET ACCOUNTABLE – Get your spouse or friend to check in with you to see if your making progress.
MAKE A DEAL – Place a motivational bet with your spouse or friend.
CALENDARS COUNT – Put the things you want to accomplish on your calendar.
USE PICTURES – Develop a goal board with photos of things you want to accomplish.
GO PUBLIC – Tell friends and family about what you are working towards.
WRITE IT DOWN – Put your goals in writing and keep them somewhere you can see it.
POSITIVE SELF-TALK– What you are chasing may be new or difficult, so what you tell yourself is very important.
SET MICRO GOALS – Give yourself some daily or weekly goals to help you track progress and stay motivated!
SET CALENDAR ALERTS – Give yourself a heads up with a notification.
BE AN ACCOUNTABILITY PARTNER – Cheer others on as they pursue their goal.
REWARD PLAN – If you have some big goals, then be ready to properly celebrate once you reach that goal!
BE HONEST – Don’t lie to yourself! Be honest and focused on performing your promises!
USE TECHNOLOGY – There are many types of apps and digital tools that you can use to help keep you on your path!
KEEP PUSHING – Starting is easy, it’s the finish that really counts!
23:03 – LISTEN UP VIPS
Email us- podcast@chrishogan360.com.
Professor Hogan- send in your big financial terms or fun pop culture references for Professor Hogan to define. See if you can stump him.
Retire Inspired Poetry- send in your retirement poems that you want Hogan the poet to read in his poet voice (beanie and jazz music already included).
Retirement Dreams or Retirement Wins- be sure to email Hogan your dreams or your wins. Chris wants to hear from you about what you plan for your future, and if you’re winning he wants to highlight it on the podcast!
24:37 – COACH HOGAN HALF TIME SPEECHES
Send in your very own halftime speeches you want Coach Hogan to say back to you on the podcast. Email us- podcast@chrishogan360.com.
28:55 – THE TAKEAWAY
Hogan gives his patented 3- point-takeaway that is connected to his year-end financial priorities for you:
MAKE YOUR GOALS LIKE YOUR PROMISES
CLARITY ON WHAT TO ACHIEVE
SET A PLAN FOR SUCCESS
34:39 – HEAR FROM THE PEOPLE
Hogan reads listener emails:
A male wants to know about investing strategy options for early retirement.
A female is saving 12% instead of 15%, and wants to know if leaving off the 3% will hurt her?
40:06 – RALLY CRY WRAP-UP
40:52 – CALL TO ACTION
Go to chrishogan360.com to discover your R:IQ. While you’re there, click “Dream Team.” Then connect with SmartVestor Pros for investing help and ELPs for insurance, tax services, and real estate.
Email us your retirement dreams or wins as well as your Coach Hogan Halftime Speeches and Retirement Poems. Send them to podcast@chrishogan360.com. You can also write a review of the Retire Inspired Podcast on iTunes and subscribe to future episodes.
With the new year quickly approaching, Hogan presents seven financial priorities for you to focus on. Hogan also discusses the savings crisis in America, research uncovered in a survey commissioned by Ramsey Solutions. Other featured segments include Hear from the People, Retire Inspired Christmas poetry, and Hogan’s patented 3-Point Takeaway.
0:28 – WELCOME
1:43 – FINANCIAL MOVES TO MAKE BEFORE THE NEW YEAR
Chris offers seven actions to take:
Assess your debt. Understand what you owe and where you owe it.
Revisit your budget. Sit down and determine exactly where your money goes each month.
Review your retirement accounts. Do you have any 401(k) accounts from a former employer that need to be rolled over into an IRA? If so, make sure the money transfers directly between accounts.
Check your insurance policies. Review your current life insurance policy to make sure you have the coverage your family needs. If you have questions or need help, go to chrishogan360.com and click “Dream Team” to connect with one of our insurance ELPs. These are people Hogan trusts.
Update beneficiaries. Now is the time to make changes to the designated beneficiaries you’ve named in your will and other legal documents, including your investment accounts. You can update these by filling out a form for 401(k)s, IRAs, life insurance policies, and other plans. Check with the providers of these accounts for the correct paperwork.
Look at income tax withholdings. Each year, you want to know exactly where you stand on your income taxes. Don’t let this to sneak up on you in March. Go to chrishogan360.com and click “Dream Team” to get connected with one of our tax ELPs. They have the heart of a teacher and want you to avoid any hassles from the IRS.
Review your portfolio. Set up an appointment with a financial professional to review your investment portfolio. If there’s anything you don’t understand—from the fees you pay to the types of funds you’re building—ask questions. You are in charge of your financial future, so you’re responsible for understanding your investments.
Here are three bonus actions:
Do medical check-ups. This is an area many people forget. Before the end of the year, take advantage of all yearly check-ups that you have paid for throughout the year through your insurance premiums. Do you need an eye exam, a physical, or other medical exams? If so, get an appointment and go before December 31. Also, be aware of your healthcare costs and expenses. Does your current policy meet your needs? Is there a way to get the same or better coverage at a lower cost?
Update wills and trusts. A common misconception is that you only create and talk about a will one time. People are not aware that you can update your will as many times as you want, as long as the updates are properly witnessed and notarized according to your state law. Also, you may want to talk with an estate planning attorney to see if a trust makes sense for your situation.
Set new goals. The new year brings new opportunities for everyone. Be clear on what you want to achieve financially, physically, spiritually, and as a family. The only way to be proactive is to put the goals in writing and take steps to reach them.
16:11 – VIP ANNOUNCEMENTS
Don’t forget about Hogan’s Christmas Bundle. Go to chrishogan360.com and get 56% off an amazing product bundle for the holidays.
Send us your personal halftime speech for Coach Hogan to read on air. Also, send in your retirement poems for Hogan the poet to share with you (beanie and jazz music included). Email us at podcast@chrishogan360.com.
17:39 – RETIRE INSPIRED CHRISTMAS POETRY
This episode features a special poem sent in from a VIP. Off comes the beanie, and on goes the Santa hat as Hogan reads the Jones’ Christmas poetry.
19:54 – SAVINGS CRISIS—RETIREMENT IN AMERICA
Hogan discusses findings from the survey commissioned by Ramsey Solutions. He discusses the top four reasons people are not saving for their retirement dreams:
1. Cost of living
2. Credit card debt
3. Mortgage payments
4. Medical expenses
Check out the full survey at daveramsey.com/research.
29:21 – HEAR FROM THE PEOPLE
Hogan reads listener emails:
A government worker has a Thrift Saving Plan (TSP) and Roth IRA retirement question.
A 27-year-old married man is debt-free. His wife is not employed. With money in savings, he wants to buy a home.
A disabled veteran receives a monthly disability check. Though he is employed, he wants to know if his disability money should be considered guaranteed income.
A 38-year-old woman has a question about a $100,000 indexed annuity.
38:50 – THE TAKEAWAY
Hogan gives his patented 3-Point Takeaway and connects it to his year-end financial priorities for you.
42:30 – RELEVANT CHALLENGE / RALLY CRY WRAP-UP
What kind of stories of generosity will you be able to tell with your life when you are in control of your finances and retirement dreams? Hogan shares a couple of articles on generosity for a final 2016 challenge for you.
47:06 – CALL TO ACTION
Go to chrishogan360.com to discover your R:IQ. While you’re there, click “Dream Team” to connect with SmartVestor Pros for investing help. You can also find Endorsed Local Providers (ELPs) for insurance, tax and real estate services.
Email us your retirement dreams or wins as well as your Coach Hogan halftime speeches and retirement poems. Send them to podcast@chrishogan360.com.
Do you want to avoid the financial hangover of the holidays? While you’re shopping, Hogan has a plan for you: Seven Tips to Avoid the Christmas Hangover. Other features include a Christmas Top Ten List from Ho-Ho-Hogan, the 3-point-takeaway, event highlights, as well as a special cameo from Professor Hogan. He’s here to breakdown the ten dollar financial words that VIPs want defined.
0:29 – WELCOME
1:44 – SEVEN TIPS TO AVOID THE CHRISTMAS HANGOVER
Chris wants to help you avoid the silly season while you shop and give:
MAKE A LIST– Plan who and what makes your list before you’re in the store.
SET A BUDGET – Planned spending limits. That includes your kids and significant others!
A CASH CHRISTMAS – You’re going to spend, just do it with cash. It’s about control.
THE ENEMY IS LURKING – Don’t let your guard down. Credit temptation is at every turn.
KEEP A RUNNING TALLY OF SPENDING – Awareness. Know what’s spent, what’s left.
THINK OUTSIDE THE GIFT BOX – Get creative. Be honest about spending limitations.
GET CREATIVE WITH GIFTS FOR KIDS – Meaningful and specific beats dollar amount.
18:02 – VIP ANNOUNCEMENTS
Email us- podcast@chrishogan360.com. Send us your very own halftime speeches you want Coach Hogan to say back to you on the podcast. Also, send in your retirement poems that you want Hogan the poet to share with you (beanie and jazz music already included). Don’t forget about Hogan’s Christmas Bundle. Go to chrishogan360.com and get 56% off an amazing product bundle for the holidays.
19:51 – TOP TEN THINGS YOU ARE DOING WHILE LISTENING TO THE PODCAST
While you navigate through the holiday hustle and bustle, what exactly are you doing while listening to this episode? Hogan has some ideas. Don’t think he doesn’t know that you’re jogging right now with your ear buds in just so you can have that second piece of pie!
24:18 – RETIRE INSPIRED EVENT HIGHLIGHT
Hogan’s podcast producer shares a couple highlights from attendees just like you who are winning.
27:00 – PROFESSOR HOGAN
Thanks to the terms you VIPs sent in, education collides with entertainment. Those ten dollar financial terms that seem like a bunch of gobbledegook get broken down and defined along with a few pop culture terms. In this episode, Professor Hogan defines:
AMORTIZATION (submitted by Sam)
#KEEPIT100 (submitted by Veronica)
ROTH CONVERSION LADDER (submitted by Gabriel)
FIDUCIARY (submitted by Tom aka Double T)
ON FLEEK (submitted by Danielle)
32:30 – HEAR FROM THE PEOPLE
Hogan reads listener emails:
A 60-year-old single female is being resourced. Though she has $250k in her 401k, she is watching her emergency fund dwindle and wants advice for how to stay calm.
A 32-year-old man is now into Baby Step 4-6. He has an R:IQ question because of his health.
39:43 – THE TAKEAWAY
Hogan gives his patented 3- point-takeaway so you have a healthy outlook on holiday spending:
HAVE A SHOPPING PLAN
STICK TO YOUR BUDGET
PAY WITH CASH
44:47 – RALLY CRY WRAP-UP
45:28 – CALL TO ACTION
Go to chrishogan360.com to discover your R:IQ. While you’re there, click “Dream Team.” Then connect with SmartVestor Pros for investing help and ELPs for real estate, insurance and tax services.
Email us your retirement dreams or wins as well as your Coach Hogan Halftime Speeches and Retirement Poems. Send them to podcast@chrishogan360.com. You can also write a review of the Retire Inspired Podcast on iTunes and subscribe to future episodes.
Control is a time trap. We waste time trying to control things that are out of our grasp. Hogan walks his listeners through four retirement factors you can’t control as well as four factors you can control. Other features in this episode include retirement dream highlights from a Retire Inspired event and another round of wake-up calls. He also takes to the phones to answers questions and share success stories of everyday people working the right plan.
0:27 – WELCOME
1:43 – RETIRE INSPIRED EVENT HIGHLIGHT
Hogan’s podcast producer shares a couple of highlights from attendees winning at retirement planning.
5:03 – RETIREMENT CONTROL
Chris discusses four factors you CANNOT control:
THE MARKET. While offering you opportunities for retirement, you can’t control whether it goes up or down.
THE UNEXPECTED. Things will always happen you didn’t plan on.
INFLATION. General prices are always rising.
SOCIAL SECURITY. The laws regarding this government program are constantly changing.
Chris also discusses four factors you CAN control:
YOUR INVESTING AMOUNT. Will you choose Hogan’s advice and start with 15%? Will you work toward that goal?
YOUR SPENDING. You can choose to make time and compound interest work in your favor by curbing spending so you have more to invest.
WHEN YOU SAVE. You can start saving right now, even if the amount is small.
YOUR PORTFOLIO. You can get help from investing professionals at chrishogan36com. Click on Dream Team.
20:01 – VIP ANNOUNCEMENTS
The final winner is announced in the Retire Inspired Podcast Giveaway. Thanks to those who entered. If you still haven’t subscribed to the podcast, Hogan says, “It’s your life, people. Take charge!” Go to chrishogan360.com. Choose the best way to listen to the podcast. Once you’re there, subscribe and share! Also, while you’re on Hogan’s website, check out his Christmas bundle and get 56% off a bunch of amazing products.
22:52 – WAKE-UP CALLS
Hogan to VIPs on the phone:
A 54-year-old married woman is debt-free after 12 years of discipline. She asks how to retire in five years.
A 57-year-old married woman doesn’t want to make rookie mistakes. She is reaching out to an Endorsed Local Provider.
A 45-year-old married man paid off his house just before his 45th birthday.
31:45 – THE TAKEAWAY
Hogan gives his patented 3-Point Takeaway on how to deal with control.
39:05– RALLY CRY WRAP-UP
39:39 – CALL TO ACTION
Go to chrishogan360.com to discover your R:IQ. While you’re online, click Dream Team. Then connect with a SmartVestor Pro for investing help and Endorsed Local Providers for real estate, insurance and tax services.
Email us your retirement dreams and wins, Coach Hogan halftime speeches, and retirement poetry. Send them to podcast@chrishogan360.com. You can also write a review of the Retire Inspired Podcast on iTunes and subscribe to future episodes.
Anxiety is just a schoolyard bully. Chris Hogan talks about how to combat that bully. He talks about Ramsey Solutions’ Retirement in America Survey and the section on anxiety and offers some tips on what to do when you start to feel anxious. Other features of this podcast include the Hear from the People segment (answers to email), The 3-Point Takeaway, and highlights from one of the Retire Inspired live events. In addition, Hogan shares a story spotlight called Self-Made about everyday people who followed a plan and are now millionaires.
0:31 – WELCOME
2:23 – RETIREMENT IN AMERICA SURVEY
Chris discusses the portion of a Ramsey Solutions survey that focuses on anxiety and offers four tips for when you start to feel anxious:
1. TAKE A DEEP BREATH. Activating relaxation is important.
2. ACKNOWLEDGE HOW YOU FEEL. Identify the feeling you’re dealing with.
3. ACCEPT THE FEELING. Realize it is what it is. Don’t deny or ignore it.
4. QUESTION YOUR THOUGHTS. Ask yourself the following: A. Is this likely to happen? B. What can I do to relieve the anxiety? C. How can I prepare for what may happen?
12:00 – VIP ANNOUNCEMENTS
The third winner is announced in the Retire Inspired Podcast Giveaway. You have one more chance to win $250. Go to chrishogan360.com. Subscribe to the podcast and type in your information. No purchase necessary.
15:03 – HEAR FROM THE PEOPLE
Hogan reads listener emails:
A man talks about Hogan’s Big Pop story (Episode 7, time code 14:49).
A woman has a question about the 15% toward retirement from Baby Step 4.
A woman asks about her and her husband’s expenditures while saving for retirement in light of their daughter’s medical needs.
A woman on Baby Step 4 is successfully on the path toward retiring inspired.
A woman wants to know how to talk to her parents about retirement and asks Chris to share more success stories. He points to Episode 4, time code 36:51.
27:12 – STORY SPOTLIGHT: SELF-MADE
Hogan tells the story of several people, just like you, who became millionaires by being diligent and following a plan over time.
35:38 – RETIRE INSPIRED EVENT HIGHLIGHTS
Hogan’s podcast producer shares a couple of highlights from attendees who are winning.
37:45 – THE TAKEAWAY
Hogan gives his 3-Point Takeaway on combating that schoolyard bully, anxiety.
1. USE POSITIVE SELF-TALK. Think of reassuring statements you can make to avoid anxiety.
2. FOCUS ON THE NOW. So much anxiety is connected to what “could” happen.
3. FOCUS ON MEANINGFUL ACTIVITIES. The worst thing you can do when you’re anxious is obsess over the negative feeling. Remember your retirement dreams, know your R:IQ (see chrishogan360.com if you don’t know your number), and pay attention to your budget (see EveryDollar.com).
42:27 – RALLY CRY WRAP-UP
43:55 – CALL TO ACTION
Don’t forget to enter the Retire Inspired Podcast Giveaway! You have one more opportunity to win $250. Go to chrishogan360.com. Subscribe to the podcast and enter your information. No purchase necessary.
Go to chrishogan360.com to discover your R:IQ. While you’re there, click Dream Team then connect with a SmartVestor Pro for investing help and ELPs for real estate, insurance and tax services.
Email us your retirement dreams or wins and your big financial words for Professor Hogan to define on the podcast at podcast@chrishogan360.com. You can also write a review of the Retire Inspired Podcast on iTunes and subscribe to future episodes.
Chris Hogan wants you to vote for yourself. No matter who ends up in the Oval Office, you can change your financial future. Hogan also offers his 10 Points to Progress. Other features include the Hear From The People segment (answers to email) and his 3-Point Takeaway. As a fun bonus, Chris reads Retire Inspired Poetry.
0:27 – WELCOME
2:05 – THE #VOTE4UAMERICA CAMPAIGN
16:38 – HOGAN’S 10 POINTS TO PROGRESS
1. BE A MONEY BOSS. Start each month with a budget, listing income and expenses.
2. HAVE A DEBT REDUCTION PLAN. Use the debt snowball approach: List all your debts then attack them from smallest to largest.
3. ESTABLISH AN EMERGENCY FUND. Be prepared for unexpected events (a car problem, home repair, hospital visit, etc.) by keeping an emergency fund on hand.
4. TAKE CONTROL OF YOUR SPENDING. Understand the difference between a want and a need. Set limits on spending, even if it means sacrificing your wants.
5. PLAN AHEAD. Look at the calendar and save money for upcoming expenses (holidays, travel, birthdays, etc.).
6. BOOST YOUR INCOME. Brainstorm ways you could earn extra money over the next three to six months (sell stuff you don’t need, have a garage sale, offer to tutor, etc).
7. GET A HEAD START ON COLLEGE. If you have children, start saving for college as soon as possible. You want to help them get an education without student loans. But don’t sacrifice your retirement fund in the process! Remember, kids can work their way through college.
8. PLUG IN TO THE COMMUNITY. Volunteer for events in your area or help out at your church. Make a list of 10 friends and tell them about R:IQ and Financial Peace University as financial discussions come up. When people change, their community does too!
9. KNOW YOUR PLAN. Retirement is not an age; it’s a financial number! Decide on your retirement dream, discover your R:IQ, and determine a plan to get to that retirement number.
10. KEEP THE RIGHT ATTITUDE. Progress is taking one step forward, one day at a time. Where you are now is the new starting point, so forget the past and start moving ahead.
26:25 – VIP ANNOUNCEMENTS
The second winner in the Retire Inspired Podcast Giveaway is announced. You have two more chances to win $250. Go to chrishogan360.com/podcast and subscribe to the podcast for your opportunity to win. No purchase necessary.
28:37 – HEAR FROM THE PEOPLE
Hogan reads listener emails:
A woman asks about Social Security and maximum benefit age.
A man wants to know more about Roth IRAs and 401(k)s.
32:59 – RETIRE INSPIRED POETRY
Hogan has fun with his gentle voice reading VIP retirement poems sent in by listeners.
35:39 – THE #VOTE4UAMERICA TAKEAWAY
Hogan gives his 3-Point Takeaway on how to activate change now so you can enjoy your retirement in the future.
43:27 – RALLY CRY WRAP-UP
44:29 – CALL TO ACTION
Don’t forget to enter the Retire Inspired Podcast Giveaway! There are two more opportunities to win $250. Go to chrishogan360.com/podcast. Subscribe to the podcast and enter your information. No purchase necessary.
Go to chrishogan360.com/riq to discover your R:IQ. While you’re there, click Dream Team. Then connect with SmartVestor Pros for investing help and ELPs for help with real estate, insurance and taxes.
Email us your retirement dreams or wins at podcast@chrishogan360.com and Hogan may read them on air. Also send in any confusing financial jargon for Professor Hogan to define on the podcast. You can also write a review of the Retire Inspired Podcast on iTunes and subscribe to future episodes.
Chris Hogan kicks off the episode explaining how to calculate net worth. He also talks with guest Rachel Cruze about the importance of establishing good financial habits and talks about her new book, Love Your Life Not Theirs. Other features include the Hear from the People segment and The Takeaway: Complaining produces victims, but the right habits produce victories.
0:34 – WELCOME
1:49 – HOW TO CALCULATE YOUR NET WORTH
12:35 – VIP ANNOUNCEMENTS
The first winner is announced in the Retire Inspired Podcast Giveaway. You have three more chances to win $250. Go to chrishogan360.com/podcast. Subscribe to the podcast and type in your information. No purchase necessary.
13:42 – THE HOGAN SAVINGS CHALLENGE
Next week is National Save for Retirement Week. In honor of that, Hogan has thrown down a social challenge.
Pick one of the following challenge options:
1. R:IQ SNAPSHOT CHALLENGE
Discover your R:IQ at chrishogan360.com and click Dream Team to connect with a SmartVestor Pro to talk about your number.
2. HOME RESTAURANT CHALLENGE
Instead of going out to a restaurant, make a fun meal out of food already in your house. Dress the kids up as waiters and have them bring you the bill in a retirement envelope.
3. DRIVE BY, NOT DRIVE THRU CHALLENGE
How much do you spend at Sonic or Starbucks every week? Save that money this week and drive by instead.
4. CUT THE CABLE CHALLENGE
Cancel cable or streaming services for a month. You’ll be surprised how many channels you can get in HD with a cheap antenna.
5. TAKE A HIKE CHALLENGE
Tell an expensive outing to take a hike! Instead, go for a walk or hike with your friends or family.
The challenge ends when you take a fun social pic of your action and post it to Facebook or Instagram with these tags: #NS4RW @chrishogan360.
18:25 – GUEST CONVERSATION WITH RACHEL CRUZE
Chris and Rachel discuss financial habits and her new book, Love Your Life, Not Theirs. It’s now available at RachelCruze.com.
39:22 – THE TAKEAWAY
What new habits are you willing to establish so you can take your retirement planning to the next level? Hogan takes it up a notch and offers a three-point takeaway in this episode.
44:53 – HEAR FROM THE PEOPLE
Hogan reads listener emails:
50:22 – RALLY CRY WRAP-UP
51:31 – CALL TO ACTION
Chris Hogan talks about age versus maturity and recalls a time when five years of stupid cost him a lot of time and money. Other features include the Hear from the People segment (answers to email) and Hogan’s 3-Point Takeaway on plugging in to power sources.
0:29 – WELCOME
1:47 – AGE VS. MATURITY
15:34 – TIP OF THE DAY
Check out our free digital tool, The Home Sellers Guide. Text HOMEFORSALE to 44222 to receive this PDF.
16:36 – VIP ANNOUNCEMENTS
18:52 – 5 YEARS OF STUPID
Chris rants about a time in his life when a car and some bad money decisions cost him a lot of time and money. Listen to the difference between borrowing and investing a large amount of money.
25:01 – 3-POINT TAKEAWAY
Jump-starting anything requires plugging in to a charged-up power source.
32:00 – HEAR FROM THE PEOPLE
Hogan reads listener emails:
40:41 – RALLY CRY WRAP-UP
41:45 – CALL TO ACTION
Chris Hogan discusses the Retirement Education report, based on Ramsey Solutions’ Retirement in America survey. He also sits down with financial expert and podcast host Jean Chatzky. Together, they talk about men and women’s savings behaviors, Social Security, 401(k)s, and even her retirement dreams. Other features in this episode include Hogan’s Takeaway and the Hear From the People segment, during which he answers listener questions.
0:28 – WELCOME
2:07 – RETIREMENT IN AMERICA STUDY: EDUCATION IN THE WORKPLACE
15:05 – TIP OF THE DAY
Check out our free digital tool, The Roth IRA Starter Guide. Text ROTHIRA to 44222 to receive this PDF.
16:12 – VIP ANNOUNCEMENTS
18:35 – A CONVERSATION WITH JEAN CHATZKY
Financial expert and host of the Her Money podcast Jean Chatzky joins Hogan in the studio. Together, they talk male vs. female financial habits, investing, and more.
38:37 – 3-POINT TAKEAWAY
“We cannot delegate progress; it must be owned.”
43:39 - HEAR FROM THE PEOPLE
Hogan reads listener emails:
49:00 – RALLY CRY WRAP UP
50:13 – CALL TO ACTION
Chris Hogan talks about the importance of having a personalized battle cry for your retirement dreams and offers some diversification education. As always, he shares a three-point takeaway, answers listener emails, and even delivers some Coach Hogan halftime speeches.
0:37 – WELCOME
1:50 – DIVERSIFICATION EDUCATION
12:07 – TIP OF THE DAY
Check out the free digital tool 3 Vital Questions Your Advisor Must Answer. Text the word ADVISOR to 44222 to receive this PDF.
13:10 – LISTEN UP VIPs
Help us with a short survey. Go to chrishogan360.com/survey by September 28 and fill out the survey, and you’ll have a chance to win a $100 Target gift card.
14:02 – RETIREMENT DREAMS / BIG POP STORY
Send in your retirement dreams and retirement wins to podcast@chrishogan360.com. Please specify in the subject line either RETIREMENT DREAMS or RETIREMENT WINS.
21:46 – COACH HOGAN HALFTIME SPEECHES
Chris reads personalized halftime speeches written by and sent in from listeners (whistle and locker room provided).
26:00 – THE TAKEAWAY
“Dreams are personal and authentic. Don’t settle. Build!”
36:42 – HEAR FROM THE PEOPLE
Chris answers emails from listeners:
45:23 – BATTLE CRY CHALLENGE
47:06 – CALL TO ACTION
Chris Hogan discusses the Retirement in America study and what the research reveals about Millennials and retirement. He also takes wake-up calls from several Millennials and gives his three-point takeaway on a fearless future: believe, avoid, and absorb.
1:00 – MILLENNIAL WAKE-UP CALL
Chris talks on the phone with Nelson, a Millennial success story.
5:15 – RETIREMENT IN AMERICA: THE MILLENNIALS
Whether you’re a Millennial, a parent of one, or work with one, don’t miss what America’s trusted voice on retirement found out from this research study.
21:35 – LISTEN UP VIPs
Hogan shares special announcements with his listeners.
24:20 – MILLENNIAL WAKE-UP CALL
Chris talks on the phone with Michael, a Millennial on Baby Step 3, about investing and saving for a house.
28:33 – TIP OF THE DAY
Check out the free digital tool Assembling Your Retirement Dream Team. Text the word PROFESSIONAL to 44222 to receive this PDF.
29:26 – THE TAKEAWAY
For a fearless future: believe, avoid, and absorb.
36:05 – MILLENNIAL WAKE-UP CALL
Chris talks on the phone with Greg, a Millennial who received a large inheritance, about investing.
41:42 – CALL TO ACTION