Do you know whether or not you’ll be able to retire comfortably, or at all? According to the Federal Reserve Bank, 25 percent of U.S. workers have neither pension nor retirement savings.
Now that’s scary. And just in time for Halloween!
Instead of the defined benefit retirement plans that many of our parents received, most U.S. residents rely on things like 401(k)s and individual retirement accounts (IRAs), which can be fee-heavy and which require you to invest your own money. Some employers offer a match, but mostly it’s on you.
Social Security is available for most of us, but it likely won’t be enough to live on. (And in fact it may not be fully funded by the time you retire; see Liz Weston’s recent article on this topic.)
Oh, and there’s always personal savings. Right? Or wrong. Some people don’t have a dime in liquid savings. Worse, some of them don’t have any kind of retirement plan other than Social Security.
Stacy Johnson, founder of Money Talks News, is concerned about two big issues surrounding retirement in this country: skyrocketing expenses and a shrinking safety net. That’s why he created a “retirement boot camp” for people aged 40 and older: a 14-week video course designed to teach you how to judge what you’ve already got and accomplish what you’ll need to have a secure, comfortable retirement.
Stacy is a certified public accountant and has also earned licenses in mutual funds, life insurance, stocks, commodities, options principal, securities supervisor and real estate. He has generously donated a copy of “The Only Retirement Guide You’ll Ever Need” for me to give away on my site. Who’s in it to win it?
A few course highlights:
- How to be your own financial planner
- A plan to destroy debt, faster than you ever thought possible
- Determining the life you want in retirement
- Investing in such a way that you won’t outlive your money
- A way to earn up to $12,000 more in Social Security each year
- Creating a spending plan to minimize expenses and maximize savings
- Managing medical costs
In addition to the course, the giveaway winner (and anyone who purchases “The Only Retirement Guide You’ll Ever Need”) will also get a pair of e-books: “208 Ways to Save Money Every Day” and “108 Easy Ways to Earn Extra Cash.”
Free for all
Stacy is giving away one copy of the course through my site – but he’s also giving one chapter of the course for free to anyone who asks. The “Social Security Secrets” chapter is a good one to get you started, I think, since the Social Security system is so complicated that even people who work there don’t always understand it. (Which is also scary.)
So please do enter the giveaway of the entire course (see below). But in the meantime I suggest you download the free chapter. My guess is that you’ll learn something you didn’t know, including what Stacy calls “a technique that increase your benefits by thousands of dollars every year.”
To enter the giveaway:
- Leave a comment below
- Subscribe via e-mail or Feedburner
- Sign up to follow me on Twitter
- Sign up to follow me or Facebook
- Follow me on Pinterest
Be sure to leave separate comments for each action you take, e.g., “Follow you on Facebook” or “subscribed via e-mail.”
The deadline to enter is 7 p.m. PDT Thursday, Nov. 14. If I don’t hear back from the winner by 8 p.m. PDT Friday, Nov. 15, I’ll have the random number generator pull another name.
Note: This is not an affiliate situation. If you buy this course I won’t end up any richer. But you probably will.
Thanks, I’d love to win.
I follow your blog.
I need this.
Sounds interesting. I already follow you on FB and Twitter.
Retirement is in the not so distant future for me & this resource sounds extremely valuable. I may also download the chapter on Social Security. Who couldn’t benefit from info on that highly complex program?? P.S. I follow you via email.
I follow you via email and Facebook. Would love to receive a copy of The Only Retirement Guide You’ll Ever Need.
I am 3.5 semesters away from retirement. Yippee!
Woot!
Sounds interesting! I would love to win.
I follow you on pintrest! Would love to win.
I would love to win this course! I will be downloading “Social Security Secrets chapter! Thanks for the giveaway Donna!
I want to win — I follow you via email too
I’d love to win. Need a retirement ready check-up!
I follow you on fb….I would consider this an awesome win!
Good morning!
What a great giveaway 🙂 I am already an email subscriber.
Thank you!
I am an email subscriber. Thanks for the info & the chance.
The chapter was interesting and it inspired me to do a quick check on my SSA. What really worries me is wading through the Medicare mess when the time comes. The amount of paperwork is astounding.
I knew I didn’t pay into SS when I taught in Alaska. I didn’t realize until I read this chapter that so many states didn’t withdraw SS for teachers. Fortunately, I have still have beyond 35 years of working and paying into SS. Very interesting read. I’ve been thinking about doing this course.
Follow you on FB
Sounds interesting. I’m an email subscriber
I would love to win this. Thanks for the chance
I would love to win and follow you by email.
I would love to win this. Thank you for the opportunity to try. I am an email subscriber.
I already follow you on Pinterest. I would love to win.
Thanks for the giveaway.
Subscribe via email.
Follow you on Twitter.
Follow you on Facebook.
Follow you on Pinterest.
I follow you on FB.
I subscribe to your email list.
Thanks for all you do✨
I would love to win this! Thanks for the opportunity.
I would love to win this! Thanks for the chance to win!
I would love to win this! Thanks for the chance to win!
I follow you by email.
I follow you on twitter.
I’m on your e-mail list and follow your blog, which I appreciate!…As Jersey girl in exile at an earlier moment, but the e-mail is up to date. Thank you and Cheers! ldc
Hi Donna!
Thank you for the information and the opportunity to win the course. I have downloaded the first chapter.
I am an email subscriber and love to read your writings – I always learn so much from you – thank you.
And I follow you on FaceBook.
I follow you on email.
I follow you on Facebook.
We are trying to figure this all out and the book would be a good start.
Thank you for the giveaway!
I subscribe via email.
I follow you on Twitter.
I follow you on Facebook.
Thank you – this would be really good to win.
Thanks for the giveaway!
I’m an email subscriber.
Would be nice to win.
A number of my friends have retired already – so I’m REALLY looking forward to it – even though I have another 20 years or so to go 🙂
I follow on twitter
I am a FB follower
I subscribe via feedburner
and I follow you on pinterest 🙂
I would love to win this course, thank you for the opportunity.
Me Me Me! Pick me!
Follow you on Facebook.
Follow you on email.
Follow you on any site I can find you.