Hello and welcome to lunch on the go lesson number one at successful retirement secrets. My name is Tony Ken's your and as the author of this course i'm also your designated instructor. As we move through the lessons, you'll hear me say things that do not appear on the individual slides. As an enrolled student, however, you can download every lesson and save it for future reference. These lesson videos teach you a way to process the glut of information about retirement that we all have to deal with. For many of us, it becomes noise and we tune it out.

At some point down the road we then realize we may not have enough money. I'll teach you eight questions to answer first so you can make better financial decisions along the way. My personal experience has taught me that retirement today is not always an event but as a transition. after I retired several years ago, I became bored. To stay busy I decided to create successful retirement secrets where you are now as an enrolled agent. It allows me to share the many lessons learned from my years as a financial planner and investment advisor.

Just Google my name, and you'll learn more about me than you'll ever need or want to know. Lunch on the go is the short condensed version of the sit down meal course. It's for those on a limited budget, relatively young or simply don't want much help. If you prefer detailed and comprehensive help, you'll need to sign up for course number three or number four. Just as we transition from childhood to adulthood, we typically transition into retirement, where there are three phases. First, there's the GO GO years where you work on your bucket list of things to do.

Then come the slow go years when for one reason or another you slow down and finally the no go years. That's when for maybe health or financial reasons you're more or less stuck in one place. If there is a secret to successful retirement It's the eight first questions and how you answer them. As you write down your unique answers, you'll start to build a mental framework for making better financial decisions along the way. In lessons two and three, I'll give you the eight questions, along with my thoughts about what they mean. Your task is to write them down and start building a roadmap to follow as you journey through life.

It's almost a given that life with more money is almost always better than life with less money. Your challenge is to figure out how to make that happen before you retire. Sooner or later. by choice or otherwise, you'll make the transition from working to not working. Whether you have enough money to pay your bills for the rest of your life remains to be seen. As we look across the country today and pay attention to social and economic issues, you'll find too many articles about people in crisis as they approach retirement.

For many people, retirement is not enough. place to be. My goal is to teach you a system to follow a way to process everything you hear and read about retirement. The idea is for it to work in the background of your brain and only appear when it's necessary. Between now and retirement, your life may change. Your answers to the aid questions may change.

That's normal. If you can download these videos and save them somewhere, you can revise your answers if they become outdated. new financial challenges will present themselves in retirement, whether you retire at 50 or at 70. Opportunities to make money shrink as you get older. Without enough money, difficult choices may have to be made. Before we get to the eight primary questions, there's something important for you to think about.

It's the need to fully understand the difference between strategic decisions and tactical decisions without realizing why many people make tactical decisions that turn out Wrong, they make them without an awareness of the strategic context in which the tactical decisions should be made. The next two slides are perhaps simplistic, but I hope you get the point. At some point in your life, you may decide to get married, getting married or not getting married is a strategic decision. If your decision is to marry, the tactical decisions that follow become, who to marry, and when. The second is that most of us today have our own car, years from now, you've reached your slow go years and your car dies. What do you do?

You get another or start using Uber or maybe Lyft. That's a strategic decision. If your choice is to get another car, you're now faced with tactical decisions about a new one or a used one or what brand to buy. I argue you must first make sure you have a strategic framework in mind about retirement, it could easily turn out to be A 30 year track into the future. Your tactical decisions should fully support your strategic goals. But if you don't have strategic goals and cannot reverse time, it makes sense for us to figure it out in advance.

In our busy lives, how often do you encounter something about retirement and have no idea whether it's a good idea or not? Someone typically wants you to spend time, energy or money on something they have decided you need. I want you to work through all eight questions, come up with your unique answers and develop a good understanding of your strategic goals. When you've done this, you can now react to those messages with better tactical decisions. You've probably long since discovered that getting older happens because the clock never stops ticking. The years roll by and we discover either to our horror or delight, that retirement is just around the corner.

Don't want you to suddenly reach retirement and realize you've used hope and good luck to have enough money. I promise you that approach is a recipe for failure and disappointment. This online course is to help you start getting serious about your future retirement. Your first step is to start developing your strategic roadmap. Define your strategic goals. Your destination is a worry free and financially secure retirement.

It's going to take time and effort and won't appear overnight. But if you're not fully prepared for retirement, you'll be stressed out forced to make unpleasant changes to what you thought would be the good life. Have some fun with all this and I'll see you in Lesson number two