It’s Time We Declared Our Financial Independence

What does financial independence mean to you? For retired Navy Commander Bob Chambers, it means “spending time with family and friends and having a predictable, life-long income that provides a comfortable lifestyle.”

Commander Chambers retired before he turned 50, putting him among a small, but growing, group of super-savers achieving what’s called “FIRE” (financial independence and retire early). Early on, Chambers knew he wanted to attain financial independence, enjoy a comfortable lifestyle and leave a legacy for future generations. (Learn how he did it in his booklet “Financial Independence Made Easy,” available as a free download.)

Financial independence can be defined as being able to handle whatever challenges life throws at you. Yet how many of us have this kind of true financial independence? Only 52 percent of those asked in a recent Bankrate Financial Security Index survey have more money in emergency savings than in credit card debt, and 24 percent have more credit card debt than emergency savings. A recent report by the World Economic Forum calls retirement savings a “global retirement time bomb,” with Americans facing the largest gap between what they’ll need and what they’ve saved. The collective shortfall hit $28 trillion in 2015 and is expected to rise to $137 trillion in 2050. It’s clear to me that Americans need a financial revolution in 2017 as surely as we needed a political revolution in 1776.


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About the Author

How can you know what you should do if you don’t know what you can do? Author, radio personality, educator and financial planning pioneer Stephen Kelley shares his secrets to More Now, More Later™ retirement income planning. Most planners regard income planning as a “zero‐sum game,” a “Rob Peter to pay Paul” exercise. In these self‐serving, Wall Street‐dictated scenarios, people must limit the amount of income they receive to ensure they don’t run out of money in retirement. But there is an alternative to this “less now, more later,” or “more now, less later” mentality. Using state‐of‐the‐art income planning techniques, and his own trademarked “Last Things First™” planning process, Stephen Kelley blows the lid off the traditional Wall Street‐serving methods and brings retirement planning home to the individual retiree. In his books you will learn how to: - Unleash as much as 3 times the lifetime income using half the money with Kelley’s trademarked planning process, Last Things First™ - Ensure your Social Security benefits enhance, rather than impede, your plan. - Reduce, or even remove, taxes and fees from your retirement plan. - Maximize market returns while minimizing market risk. - Regain control of your pension so you not only get all the income you can, but so you can also leave it to your heirs. - Take control of the planning process so you can spend freely without worry. - Much, much more.

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