Retirement Planning Books you MUST READ (In 2025)

Mr Pistole is a licensed life insurance professional in the states of Missouri , arkansas and Kansas and he specializes in working with people who are near retirement and those who have already retired , with wealth management , income planning and asset protection strategies . And now here to talk with you about securing your retirement your host , brad Pistole .

And if you're watching online on YouTube , watching the podcast , and you see me in a big Christmas hat , my Christmas stocking I've got my stockings hanging in the background here in the library .

I love my lab , as a matter of fact , and many of you don't know this , but whether I'm in my office studio or here at the house , he's always sitting right over here laying down . You never hear him bark , you never hear him give any trouble , because he's the best dog in the entire world . So we're always so grateful for Patch .

Everyone loves to come to the office and see Patch . But I'll tell you what we're going to do something very special on the show today . So if you're listening , just know that you can go to YouTube and you can watch .

This podcast will be something you can watch and you're going to want to watch it , because if you're watching now , you probably see books all over my desk , and here's what I'm going to do . I want to go through and give you my personal , absolute must reads , not just for today , for the end of 2024 , but in 2025 and going forward .

If you want your financial world to change forever , these are the must-reads . If you want all things in your life to change forever , these are the must-reads , because I'm going to be talking about things that impact all aspects of your life . So here's what I want to do . I want to start with something that I didn't think I was going to start with .

Whenever I'm kind of playing this out , but , as you , if you've listened to me for the past 15 years which is why I want to do this today I want to take a snapshot and look back at the past 15 years of safe Money Radio and how it's impacted lives all across the world , how it's impacted my life .

Then just keep listening , because here's what I want to do . I want to start with this black book right here .

If you're watching this , this book for many , many years , going back to all the way back to 2008 , when I opened my business , I listened to a man named Jim Rohn , who has since passed on , and Jim Rohn encouraged grown men , men and women but see , men wouldn't do it to journal , to write in journals every single day to write down the key things in their

life , and I will never , ever forget the things that he taught me . But you know , back when I had absolutely no money , I was living paycheck to paycheck . It was a major struggle . I remember investing more than a thousand dollars into a very special training group through the Darren Hardy organization in which it gave me access to all the Jim Rohn files .

I could go back and watch all of his videos . I could go back and listen to all of his audios what they call the loss files that you couldn't get unless you were connected to the right people and literally listening to all the Jim Rohn audios , watching the videos . I listened to them every single day .

Any of you who've ever met my son Hunter will tell you my goodness , dad used to . Every time we went anywhere in the truck , if we were headed on a hunting trip or driving to an appointment or wherever , he always had this guy

on . I was listening to Jim Rohn nonstop , and Jim taught me the things that changed my life forever , took me from broke to absolute , total and complete financial freedom and success , but it also made me a much better human being .

The things that he taught the things that he shared and he connected me to many of the resources that you see in front of you if you're watching , that I'm going to be talking about today and those things that change my life can change your life .

So , in the spirit of Christmas , in the spirit of giving , what I want to do is share with you key things that you need to change your life relationally , family , marriage with your children , in your business practices , financially , spiritually . It will impact everything in your life if you will do it . So I want you to stay with us .

Here's the interesting thing and here's why I decided to throw my own self a curve ball and change . I want to share with you something from this journal . Now , in my room , in my bedroom , in my closet , I have more than 20 journals . Some of the journals I wrote as a daily journal for 365 days a year .

Some of them were more for more personal reasons , not just general . So I have a lot of times two journals for one year . But I will never forget Jim teaching in the early days . He taught things like being in front of people in the 1980s and he would talk about the power to buying a journal and writing in it every day .

And he said someone in the audiences and he would talk about the power to buying a journal and writing in it every day . And he said someone in the audience one day said how much did you pay for that journal ? And he gave an example and he said I paid $25 for that .

And the person in the audience , of course , back in the 80s , that was a lot of money . And they said you paid $25 for a blank book that has nothing in it . And Jim Rhodes said something to this effect . He said oh no , no , you don't understand .

It's not what I paid for the book , it's what I put in the book after I bought it and filled it with all of my stories , all of my successes , all of my failures , the failures that turned me into the successes . Later he said someone could offer me a million dollars for that journal today and I wouldn't give it to him .

Now , friends , today , throughout the show , you're going to hear me share some numbers and tell some stories , and a lot of it's going to be personal . I think that's why a lot of you have listened to me for 15 years is because I'm very open . I'm going to look you in the eye . I'm going to tell you the truth . I'm going to share personal information .

Never is it to brag . A lot of times , I talk about my failures along with my successes , and that's what's very interesting is being willing to share how you get from point A to point B , and so I just want to tell you . I walked into my closet today .

I picked up the first journal that I came to , and when I opened it up , at the very beginning it says this choices . It's all about the choices you make . If you want to have true vision , you better focus in on your choices .

I went to a conference back on January , the 28th of 2015 , and Darren Hardy was the speaker and he said attitude is the number one thing that will separate you from everyone else and it will determine whether or not you experience extraordinary success or mediocrity . It's good stuff , he said . You want proof . Here we go we get in life what we create .

We create what we expect . We expect what we think about . We think about what input we are subjecting ourselves to , conversations , associations , movies , music and what we read and listen to . Whatever you watch is what you're thinking about . Whatever you listen to is what you're thinking about , and what you're thinking about is what you expect , boy .

It just gets better and better and better . He goes into some really good things , and I was just reading back through this and I realized he said something If you're coasting , you're going downhill . You cannot coast uphill . That's good stuff .

He goes on to say we make a living by what we get , but we make a life by what we give , and he must have encouraged us to do something . As a matter of fact , he did . I have it written right here in my notes Think back to the startup years Darren Hardy , one of the most successful people that's ever lived .

Think back to the early years and you know I did that this back in 2015 . I thought all the way back to 2008 , when I was starting my business , and what's on these pages is absolutely amazing . Now , because of time sake and what I want to do on today's show , I'm not going to read that .

I know it would be powerful to do it , but I did say this at the very beginning . I just want to share this . I talk about the top five struggles I had in the early days , what that was like . I talked about the five behavioral habits that helped me persevere through those five struggles . But I will say this this is the part I'll share .

In the early days of my business , I started in a townhouse apartment , if you will bedroom of my son Hunter , who's now an advisor on our team , an investment advisor rep , a retirement income certified professional . I sat at a fold-up table in his bedroom making outbound phone calls to try to make sales to people when I had no experience .

So I thought back to the early years and said , wow , late nights , seminars , I couldn't afford .

Money going out , very little money coming in , sacrifice , working at a fold-up table trying to sell policies over the phone , going week after week with no commissions , no income , living off my savings , pinching pennies , taking risks , heartbreaks , driving 3.5 hours to northern Missouri to makea commission sale only to have them cancel one week later , wondering if it

was worth it all and being on the verge of shutting the doors . Then faith kicks in and failure is not an option . You know , I remember those days very , very well . I remember what it was like to eat peanut butter and jelly every single day .

I remember what it was like to exhaust my savings and I actually talk about that when I talk about the five struggles in the early days . And then I say something on here Never stop doing the things that got you from 2008 to where you are today . Those are the things that help make you successful . Now .

There are a lot of other really , really powerful things in this journal , and this is one of more than 20 journals . That's why I would never just like Jim Rohn , I wouldn't accept $10 million If you walked in right now and said I'll give you $10 million for all your journals . No , no way . I wouldn't even consider it . Why ?

Because I've made way more than $10 million , way more , way more .

And the information on these pages , the struggles , the things that I went through , taking notes , writing those things down , learning from my mistakes , reading all the stuff I'm going to share with you today , those are the things that turned me into who I am , that led to the success I wrote this down . Then I'll close this one . No one owns success .

You rent it and the success , the cost of that success that rent is due every single day . No one gets to a upper echelon and they're done . They've reached the ultimate level of success . They never have to work again . You have to rent that success and rent's due every day . Friends , I hope you'll stay with us today .

That was a long introduction , but I'm going to be sharing with you six or seven different absolute must-read , life-changing books and resources . Remember , it's not what the book costs you . It's what it costs you not to know the information inside that book . That will ruin you .

You've got to be willing to put forth some effort to study , to learn , to listen to people who know more than you know to get you to the place you want to go . And that's what I've been doing for 15 years right here on Safe Money Radio teaching , educating every single day . Thank you so much for staying with me through this 15-year journey .

Whether you've listened for 15 years or whether today is your first day , you can call us anytime at 866-780-SAFE 866-780-7233 . We'll be back right after this break and we'll jump into the books that will change your life forever .

Since I have to take a break , now would be a great time to call me for a complimentary copy of my bestselling book Bulletproof , the Safe and Secure Retirement Income Plan , and I'll also give you a copy of my safe money kit . My number is 866-780-SAFE . That's 866-780-7233 . Isn't it time to stop exposing your retirement to market risk ?

You're listening to Safe Money Radio with Brad Pistole .

How about 401k participants ? Have you recently changed jobs or reached age 59 and a half and have a retirement account that you don't want to expose to market loss ? If you have money you're counting on for retirement , we can ensure that you sleep at night with our income and wealth preservation planning .

Don't gamble your life's work away if you are nearing or in retirement , take some chips off the table and do something to take the stress out of retirement . Call 866-780-SAFE . That's 866-780-7233 . Now back to more Safe Money Radio with your host , brad Pistole .

If you want to change your life , your personal relationships , your family , your children , your grandchildren , all the people around you , if you want to change your lives forever , these are the must-read books that you need . And so , if you're just listening , don't worry , you can go to the podcast , you can watch this , you can pause , rewind .

I'm going to try to put all the books on the screen as we go today . So we're going to start off with my good friend , tom Hegna . Don't worry , retire happy . Seven steps to retirement security .

Friends , if you want financial freedom , you absolutely must read this book , and if you've been listening to my show for very long , you know I'll give you this book absolutely free . Now , here's the only thing I do ask that you come in and meet with me personally , or , if you live locally , we'll get the book to you .

You can drop by the office and pick it up

Now . Obviously , I can't give away free books and mail them all over the world to all the people watching the podcast . I'm licensed in 18 states . Obviously , that's not a great business model model . I can't afford to do that . But if you want a free copy of Tom's book , don't Worry Retire Happy . Just call us .

Set up a free financial consultation , or call and say hey , I heard Brad's show on the radio . I want to drop by and pick up a copy of Tom's book . I'll give you a copy of this book . I'll give you a copy of mine . But Tom is an absolute financial genius . He is a world renowned economist . I've been sharing this book with people for years .

Renowned economist . I've been sharing this book with people for years . This talks about the very things we talk about on the show all the time and I have Tom on as a guest throughout the year . He'll be back on in 2025 . Here's what he talks about in the book . What is your plan ? Maximizing social security benefits .

Exploring a hybrid retirement is very , very important to understand that concept and to know what it is . Protecting your savings from inflation . Securing more guaranteed lifetime income we talk about this every single day on the show . I'm a retirement income certified professional and we want you to live the life of your dreams . How do you do that ?

Secure as much guaranteed lifetime income as you can , never have to worry about running out of money , and then you can go , do whatever you want , take whatever kind of risks you want with the remainder of your money , because you have guaranteed lifetime income coming from your other sources . You must have a plan for long-term care .

Such a great chapter Using your home equity wisely . Tom is good friends with a lot of the same key experts I am . I've had them on the show Dr Wade Pfau , who has a great book on reverse mortgages . I've had Don Graves on , an expert in reverse mortgages . He talks about how to use your home equity wisely . Extra tips for those who have started late .

What a great section in the book . Many of you , if you're listening to this and you didn't even start saving until you're 50 , he's got some great advice in there . A special note to women . Guess what ? I don't make the stats up , but I do share them . In truth , this is what I know Generally . I say when I'm meeting with people .

Here's a note to men we're older and we die first . That's not always the case , but most of the time we're the older one in the relationship and we die first . So there is a section in this book a special note to women why they die first .

So there is a section in this book a special note to women why they normally live the longest and they normally outlive the spouse by 14 to 15 years . You better have a plan for that in retirement , using longevity credits for retirement income , the power of pooling insurance products , annuities , life insurance to protect yourself so powerful .

What does life insurance have to do with retirement ? He goes into that . He talks about so many great things in this book Don't Worry , retire Happy by Tom Hagen , seven Steps to Retirement Security . And I have to do this while I'm talking about Tom and great books those of you who get Don't Worry , retire Happy .

You need to pick up a book for your children and grandchildren who wants to be a millionaire ? I was blessed to travel to New York City this year . It seems like that was three years ago , but actually was in January of 2024 . And now we're in December of 2024 .

And I was interviewed with Tom side by side on a Fox business special and we talked about who wants to be a millionaire and so many great things . Really , this is more geared toward your children and grandchildren . But he talks about how he helps people become millionaires . He talks about the three phases of wealth saving and investing for retirement .

A few words about debt . Such good information . He talks about working with the right advisor advisors who get it and advisors who don't . He talks about finding where you are on your cycle up the mountain . Where are you ? Let's be honest about that . Let's move forward . He talks about building wealth , financial wellness and health wellness and how they're related .

And he talks about taxes and tax planning . So , friends , there's the first couple of things . You need to get journals . You need to journal every day of your life . You need to document what you've been through .

Listen to key people who know what they're doing , who have been there before you , write down what they say , study the information , journal it every day , record your mistakes , learn from your mistakes and then continue to read the information from the experts like Tom Hegna . We're going to take a quick break .

We're going to come back to the next expert , so you don't want to miss it . Our number is 866-780-7233 . That's 866-780-SAFE . When you call in , you can always request a free copy of my book Bulletproof the Safe and Secure Retirement Income Plan . That's 866-780-7233 . This is Brad Pistole , your host of Safe Money Radio .

I'll be right back after this informative message .

If you own an annuity , it's probably a good idea to find out more about how it works and if it's right for you . It's time to give Brad Pistole a call now at 866-780-SAFE , that's 866-780-7233 . Brad will help you review the features and benefits of annuities you currently own without any obligation .

Once again , you can call Brad now at 866-780-SAFE , that's 866-780-7233 . 7233

. Now back to more Safe Money Radio with your host , brad Pistole .

You've been listening to Safe Money Radio . You subscribe to the podcast . You know we have key retirement planning guests and experts on the show every day . Just earlier this morning , before this recording , I did a show with Paul Morrison , income-related monthly adjustment amount specialist . We love having guests on the show . And that brings us to the next book .

Who's been a guest on our show many , many times ? This is an absolute must read . You have to have this in your library . My good friend , america's IRA expert , ed Slott , his newest book , the Retirement Savings Time Bomb , ticks louder . Friends , you got to have it . Just go to Amazon and pick it up .

How to avoid unnecessary tax landmines , diffuse the latest threats to your retirement savings and ignite your financial freedom . Now I will say this I tell people , when it comes to retirement planning , this book and a book by Dr Wade Pfau which we're going to talk about here in a minute . They're like the Bible regarding financial planning .

You absolutely must have these books in your library . The information in this book is just so critical . It's going to go into so many different concepts of tax planning . It's going to talk about 401ks and IRAs and Roth conversions and all the things that will keep you from the retirement of your dreams .

Friends , you know , if you listen to me , on every single show , I quote Ed Slott almost every show the number one thing that will separate you from the retirement of your dreams is taxes .

So you need to listen to a tax expert who talks about all the different things that you need to be doing to prepare and to have your plan in place , not the government's plan . You know , if you go to YouTube and type in Brad Pistole , ed Slott , I have lots of full length interviews that are about 45 minutes long .

I have a lot of shorts that are like two and three minutes long . One of the ones is talking about the government's plan versus your plan and I ask Ed , what is the government's plan ? And he talks about that . You need to know what the government has planned for you . You won't like it . They hope that you don't know all the rules that are in this book .

Ed's newest book , the Retirement Savings Time Bomb , ticks Louder . They hope your advisor doesn't know .

They hope they never talk to you about it , because if they don't talk to you about it you are going to pay potentially tens of thousands , if not hundreds of thousands , if not millions of dollars in unnecessary taxes and no doubt all across this great nation there will be billions and billions and billions of dollars paid in unnecessary taxes .

That goes right into the general fund of the united states government for them to do whatever they want to with . And I don't think that's why you work so hard every day , monday to friday , nine to five , to give your money to uncle sam so he can do with it what he wants to do with it .

You want it , it for you yourself , your purposes , your family , your charities , your churches . So make sure you know this information . And , with that being said , in the must reads I've got to share this Ed Slott's Retirement Freedom , his most recent show on PBS public television .

He goes into four key things Freedom from taxation , freedom from worry , freedom from risk and freedom from bad advice . Those are the four freedoms that he wants to share with you and if you're a PBS person , if you make contributions to PBS you can go on and request this information . I've been blessed to have it and share it with a lot of people .

But again , he wants you to be free from unnecessary taxation , free from worry , free from risk and free from bad advice . And some great advice would be for you to get connected to Ed Slott and to go to wwwirahelpcom . That's where you can find advisors who work with Ed . I'm listed on his website .

We can put you in touch with resources like this and show you how to keep more of your own money in your own pocket . Now , when we come back from the break , I'm going to share several more books with you . The next is going to be some books by my good friend , dr Wade Fowle . But just know you can call us anytime 866-780-SAFE . That's 866-780-7233 .

Request a free financial consultation . You can always request a copy of my bestselling book Bulletproof , the Safe and Secure Retirement Income Plan , and my good friend Ed Slott that I just mentioned . He wrote the foreword to that book 866-780-7233 . There's always someone standing by to take your call . Well , I must take a short break .

This is Brad Pistole and you're listening to Safe Money Radio . Let's pause for some exciting announcements .

What if a strong wind blows you over the side ? It is good to stay away from the edge of disaster in life , and when it comes to being exposed to financial risk , it is no different . Shouldn't you at least try to protect the money you depend on for your retirement income ?

Pick up the phone and call us now to receive your complimentary safe money information kit and a copy of Brad's bestselling book Bulletproof the safe and secure retirement income plan . Our phone number is 866-780-SAFE . That's 866-780-7233 . You're listening to Safe Money Radio with your host , brad Pistole .

Friends , if you're just now joining us , we're spending some time today talking about resources , books that you need in your library , books you need to be reading , and you know , in today's world , everything's about watching online or going to TikTok or going to a YouTube short , and you can find a lot of this information online and watch little short clips of it .

You can go to my obviously my website , you can go to YouTube and look up Brad Pistole , save Money Radio , and I've got interviews with all these people .

But I will say this having an interview for five minutes or 10 minutes or 30 minutes , they're great and I'm grateful to put that information and education out there for you , but it's not the same as digging in and reading the information . You need to have the book in front of you . So I want to go to my next absolute must read .

There are two books by my good friend , dr Wade Pfau Safety First , retirement Planning . This is an integrated approach for a worry-free retirement . That's what we all want . Right Is to retire and to never have to worry again . So this book .

Here's some stuff in the book that he covers an overview of retirement income planning , fixed income assets , stocks and diversified investment portfolios , income annuities and risk pulling some of the same stuff that Tom Hegna talks about in his book that I mentioned earlier Don't Worry , retire Happy .

He talks about variable annuities , fixed index annuities , life insurance , fitting income annuities into your financial plan and how to do it , and he talks about product allocation for retirement Friends . This is a great book .

You can get this book on Amazon and I'll also say then comes the counterpart to Ed Slott's book that I shared in the last segment the Retirement Savings Time Bomb Ticks Louder . This would be the Bible regarding financial planning , ed's book and this book by Dr Wade Pfau , the Retirement Planning Guidebook Navigating the Important Decisions for Retirement Success Friends .

I have read over this book over and over and over again . I keep it at the house , I keep it at the office . I talk about a lot of the key concepts with you on Safe Money Radio . These are the things he's going to cover in the book Retirement income , styles and decisions . Retirement risks , quantifying goals and assessing preparedness .

Sustainable spending from investments . He talks about reasons why the 4% rule might be too high , reasons why it might be too low . He talks about annuities and risk pooling . He talks about social security planning . He talks about Medicare and health insurance , long-term care planning , housing decisions in retirement , tax planning for efficient retirement decisions .

Remember what Ed Slott says the number one thing that will separate you from the retirement of your dreams is taxes . There has to be tax planning for efficient retirement distributions . He talks about legacy planning and incapacity planning . What happens in this stage of life when some things may happen with long-term care heart attack , stroke .

What happens when you pass and passing things on to your heirs ? He talks about the non-financial aspects of retirement success . Did you know that that was a thing ? The non-financial aspects of retirement success finding your purpose and your passion . He goes into some really great information and then he talks about how to put it all together .

And he talks about his retire with style podcast that he and Dr Alex Marguia host together . I've been on the podcast . They've both been guests many times . Friends , you have to read the retirement planning guidebook and safety first , retirement planning by Dr Wade Pfau .

We're going to continue here in a minute with a couple of more assets that I believe are absolutely necessary for you to have the life that you want , the relationships you want , If you want to go from zero to hero , if you want to stop struggling every single week , living paycheck to paycheck . You want your life to flourish .

You want to be able to give back . Keep listening to the show . We will teach you exactly how to do this . Our number is 866-780-SAFE . That's 866-780-7233 .

Since I have to take a break , now would be a great time to call me for a complimentary copy of my bestselling book Bulletproof , the Safe and Secure Retirement Income Plan , and I'll also give you a copy of my safe money kit . My number is 866-780-SAFE . That's 866-780-7233 . Isn't it time to stop exposing your retirement to market risk ?

You're listening to Safe Money Radio with Brad Pistole .

Think about it 33 cents of every dollar you've saved will be lost before you even enter into retirement . And it doesn't end there . That same 2% fee can cost you another 33% while you're in your retirement . So ask yourself just whose retirement am I saving for ? Stop financing someone else's retirement . Pick up the phone and call us now at 866-780-SAFE .

That's 866-780-7233 . You're listening to Safe Money Radio with your host , brad Pistole .

I believe at the end of the year it's time to stop , give thanks , to be grateful for where we are . I'm thankful for 15 years of hosting Safe Money Radio . It is the longest-running financial planning show in the Ozarks . By a mile it's one of the longest running consecutively running retirement planning shows in the nation 15 years straight .

That's just rare and I'm grateful for it . I'm thankful for all the podcast followers all across the country , and so today we've been sharing different books and resources , things you need to pick up and read and keep in your library . Don't Worry , retire Happy . By Tom Hegna who Wants to Be a Millionaire ? By Tom Hegna .

Ed Slott's Retirement Freedom freedom from the four things that will eat your lunch in retirement . Ed Slott's , the Retirement Savings Time Bomb Ticks Louder . Dr Wade Pfau's Safety First Retirement Planning . Dr Wade Pfau's , the Retirement Planning Guidebook .

And now we're to my good friend Cheryl Moore , her new book that came out in 2024 , why I Bought Indexed Annuities Now . Yes , this is a book that is a lot about one specific product , one specific tool that you can use in retirement planning , but it talks about so many other things in retirement planning .

It talks about her background , her working in the financial services industry , what her specific role was , as really as an investigator and someone who helped create , product and understand this industry . He who controls the media , controls the financial services world , talking about living too long . What if you live ?

Live forever , being able to save your money the way you want to be able to and spend it the way you want to be . Wanting to beat the bank and low interest rates . We went through a long period of time here over the last few years we were in . We were in extremely low interest rate environment and she talks about how to beat that .

What if the bank goes belly up ? What if insurance companies go belly up ? What if insurance companies go belly up ? What if we go through some really hard times here in the

country ? She addresses that . She talks about so many great things keeping yourself protected from losses and fees . She talks about how no one's got time for market losses . We don't Ain't nobody got time for that , so you've probably seen the video on that . I can watch it right now and start laughing and watch it again and again .

Ain't nobody got time for that ? I ain't got time for the market to go backwards . I ain't got time to lose money . I don't have time for that . She will talk about how to keep your money working for you , not some fee-based investment person who's just trying to sell you something . That's a great , great chapter in this book .

She talks about what you're getting into . She talks about what fixed indexed annuities are and why she owns them . Such a great , great book . I want to encourage you to call us . That book is kind of hard to get . If you don't believe me , just try to find it . But I have bought multiple copies to give to my clients and I will tell everyone this .

Since we have podcast listeners from all over the world , I'm not just going to send them out free all over the world to everybody and pay the shipping and give away free books . I will make exceptions and get you a copy . This is mainly for people to call in who are going to come in for a free consultation or who can drop by our office and pick one up .

I want you to be educated and that's what I'm trying to do by getting these resources out here .

But if you're serious about what you're doing in your financial planning and you don't want the government's plan and you don't want to risk your principal , she talks about her early days , back in 2000 , when she didn't know she could protect herself from the ups and downs of a 401k and learning about products that would keep her from having to go backwards .

This is something you need to read and you need to know about this for you and your family . Why I Bought Indexed Annuities by Cheryl J Moore . Give us a call . I will tell you how you can get copies and if you're someone that's local , I'll actually give you a copy absolutely free . Our number is 866-780-SAFE . That's 866-780-7233 . Give us a call 866-780-7233 .

0 , 7 , 2 , 3 , 3 . Give us a call . 8 , 6 , 6 , 7 , 8 . 0 , 7 , 2 , 3 , 3 . Okay , friends , we've been talking today about books that will change your life , that will change your family's life , your relationships , your finances , and I'm going to share one with you . That is not what you may be expecting .

You know I've shared books by Tom Hegna , ed Slott , cheryl Moore , dr Wade Pfau . I've got a couple of great books over here I'm going to mention in the next segment , but here's what I want to do . I want to share a book with you that I have read for 16 years now . The same book , 16 years in a row .

No other book on this table can qualify for that 15 , 16 years in a row . You'll notice there's a 15 written in the corner of this book . That was the 15th year . It's Napoleon Hill's Think and Grow Rich A Year of Growing Rich 52 Steps to Achieving Life's Rewards . Now here's book number 16 . There's a reason why I brought two of them .

Every single year I go through the same process with it and this is what I've learned 15 years in a row there's been a blue and a maroon cover . It has now changed . I can't hardly ever find this book again . It now looks like this For those that you're watching on YouTube .

This is what it looks like if you try to Google , search it or find it on Amazon .

But it's the same book and I will tell you the power of something In my life many , many times , whether speaking publicly , nationally , if I'm an event somewhere , I will normally try to mention this because people will always ask me tell us two or three things that changed your life forever , and I will always refer to first reading this book in 2008 , napoleon

Hill's A Year of Growing Rich 52 Steps to Achieving Life's Rewards , and I will tell them the same thing . Now I'm going to tell you , and this is what I know . Darren Hardy says this . Jim Rohn used to say it . I will say it Less than 1% of you listening right now or watching right now will do this . You're asking how to change your life .

I can tell you how I went from being dead broke , working at a folding table in my son's room in an apartment , to making millions upon millions upon millions of dollars and being totally and completely financially independent . How did I do it ?

It started with this book , and that's why I've read it 16 years in a row , cover to cover , focusing on one key concept every single week for 52 weeks . Will you do it ? That's totally up to you .

That part's not my responsibility , but my responsibility in giving back and sharing with our listeners and all the people watching is to get the key and the right information in your hands . So I will tell you what I did .

I've given this book out many , many times and I can tell you to this day , not one time has any person I've ever given this book to called me back years later to say Brad whoa , five years ago you gave me a book and told me about something that changed your life , and I started doing it and it changed my life forever .

And I just want to say thank you . It's never happened . No one's ever done it . I hope you're going to be the first five , 10 years from now , to tell me how you went from zero to hero , but I can tell you this is the book that did it for me . And here you go . It will go through 52 different concepts . Here's how I use the book .

I would take one week at a time and one concept at a time . For 52 weeks , I would focus on each one concept about life and how it would change your life , to focus on that and I would drill down on it .

And then here's what's really cool I personally chose to , since I'm in sales and financial planning , I would take post-it notes and every time I would write a policy or set up an annuity or set up an account for someone , I would write a post-it note be thankful to God for that .

I would write down what I did and then , in the beginning of every book , I have down my commission total and my income , my salary and income total for the year . And you want to know something interesting I almost for the power of it , brought all 15 books in , but I've got so many different books in here today it would have covered the desk .

I have the stack of 16 books . If you start in 2008 and go all the way through 2024 , my income went up every single year , but one one time . One time in that total 16 year period of time did it go backwards for one year and then it went back . And when it went back , it was unbelievable how far it went back . Now , what happened during that year ?

Well , I can tell you , covid happened . If COVID wouldn't have happened , right , it would have gone up 16 years in a row . The success is undeniable and I will just tell you this in my very first book , in my very first year , the amount was under $200,000 . I was struggling financially to survive . It was a struggle . This is book number 16 .

I have my income total here . I'm only three weeks away from the end of the year and I can tell you this it is millions and millions and millions of dollars as the income total . How did I go from $139,000 to millions and millions and millions in income ?

By taking the principles and the concepts in this book A Year of Growing Rich 52 Steps to Achieving Life's Rewards , focusing on them every single week and putting them into practice . Well , what kind of secret tools are in this book ? Well , it talks about things like this how no one drifts to success .

Learning how to live your own life , motivating yourself to achieve success . Some succeed , others fail . Why Strength grows out of struggle . Remember me talking about earlier in the show , journaling your struggles and your failures and then continuing to learn from those mistakes .

Then continuing to learn from those mistakes sincerity , hopefulness , patience , flexibility , enthusiasm , using your own personal magnetism , having confidence in yourself , strengthening your sense of humor , choosing your goals . The book is full of fantastic principles .

That's why I said at the beginning of the show it's not going to be just about making money , it's not just about success . Life is about so much more than that . It's about making you a better person .

Jim Rohn will say if you will change , everything will change for you , when you're willing to change and realize hey , the buck stops here If I want my life to be different than it is today . I'm not going to blame my family of origin , who I live with , who I was married to , that I had to divorce because they were so awful . You know this abuse .

I've been through the struggle , covid . I mean , you can blame everything when you realize that if you will change , everything will change for you and you put together the principles in this book , your life will change forever . I highly recommend this book .

Friends , we've got one more segment . I want to take a quick break . You can call in at any time and get a free copy of one of my two bestselling books Bulletproof . My first book was Safe Money Matters Finding a Safe Harbor in a Storm-Filled World . Bulletproof the safe and secure retirement income plan .

We talk about a lot of these concepts in this book , but we'll be back for one more A Safe Harbor in a Storm-Filled World . Bulletproof the Safe and Secure Retirement Income Plan . We talk about a lot of these concepts in this book , but we'll be back for one more segment . Call in anytime . You can get a copy of that book absolutely free .

Our number is 866-780-SAFE . That's 866-780-7233 . And someone is standing by right now to take your call . Well , I must take a short break . This is Brad Pistole and you're listening to Safe Money Radio . Let's pause for some exciting announcements .

Why not ease the burden of transfer of funds to your heirs and insulate your money from the shocks of an increasingly volatile world economy ? Give yourself and your family peace of mind and certainty that your retirement funds may have the opportunity to accumulate without the risk of market loss . So call us now at 866-780-SAFE . That's 866-780-7233 .

It's time to start being safe . Now back to more Safe Money Radio with your host , Brad Pistole .

We've talked about Napoleon Hill 52 Steps to Achieving Life's Rewards , a Year of Growing Rich . Just take my word for it . Buy yourself a blank journal . Buy yourself a copy of Napoleon Hill's A Year of Growing Rich . Study for one year . Focus on 52 different concepts and journal how your life changes .

And in the middle of all that , pick up all these other books and read about the financial concepts and planning they talk about . Your life will change forever . Here's two more I'm going to share before we close today . I'm going to talk about the Bucket Plan , jason Smith .

This is a really good book that talks about protecting and growing your assets for a worry-free retirement . And I'm going to talk about the power of zero , david McKnight , another colleague . Both of these men have worked very closely with Ed Slott . You might notice in both books , notice something that's common here they both have a forward by Ed Slott .

The tax planning guru wrote the forward for the power of zero and for the bucket plan . He also wrote the forward for people there's not 500 of them out there .

If he takes the time to put his name and endorsement and acceptance on something , you probably ought to take the time to read it the Power of Zero how to get to the 0% tax bracket and transform your retirement . This book helped change my life . I own eight annuities . I own 10 life insurance policies . A lot of that is because of David McKnight .

The power of zero . Some of the things that he talks about in this book a gathering storm . The tax storm that's coming . He talks about the taxable bucket , the tax deferred bucket , the tax free bucket .

He talks about how to take all of his information and put it all together into the right plan and how to use the type of financial tools that will keep you in the zero percent tax bracket . And then , of course , I'm a huge fan of bucketing . Jason has been working with the Ed Slott Group for many years .

I've known him for many years protecting and growing your assets for a worry-free retirement . He tells a story in the book . It's just a simple story , a very entertaining story and learning from other people's mistakes right .

We want to find out the best way to save using a bucket strategy a now , a soon and a future strategy and those are a lot of the same things that I talk about in Bulletproof friends . Here's the thing lot of the same things that I talk about in Bulletproof friends . Here's the thing when it comes to education . I have a degree in education .

A lot of people don't know that I didn't go to finance school . I have a degree in education . I spent several years in ministry full-time ministry teaching , working with young people and families .

I now have spent the last 16 years about to enter into year 17 , teaching financial literacy , how to save for the future not just focusing on today's return in your plan , but focusing on how much of that I get to keep in the future when I pull the money back out but , more importantly than all that , just how to live your life , how to treat other people ,

how to set goals , how to be a positive thinker , how to have the right information in place . Because let's go back to the very beginning of the show , when I talked about the journal . This is so critically important .

I wrote this back in 2015 after attending a conference where Darren Hardy was the keynote speaker , and this is what I learned Attitude is the number one thing that will separate you from everyone else , and it will determine whether or not you experience extraordinary success or mediocrity . Friends , it is so true .

Jim Rohn would often say your perspective is what changes everything . You have to have the right perspective . Friends , I'm so thankful for you . I'm so grateful for all my blessings . Join us anytime on Safe Money Radio . Just to youtube , apple or spotify . Subscribe . Subscribe to the safe money radio podcast . We have some phenomenal guests coming in 2025 .

I can't wait to share the information with you . Call us anytime at 866-780-SAFE . That's 866-780-7233 . Request a free financial consultation . We'll give you our information absolutely free , and it will change your life forever . Well , I'm about out of time and I would like to thank you for listening to Safe Money Radio .

If you're serious about your financial future , give me a call and and together we'll get your retirement savings on the fast track to accumulation while reducing exposure to market losses . Thanks for listening and until next time . At the same time , I'm Brad Pistole , reminding you to stay safe so you can step into a secure future .

Your money safe and sound . The preceding information does not represent tax , legal or investment advice . Surrender charges apply to base contracts . Optional lifetime income benefit riders are used to calculate lifetime payments only and are not available for cash surrender or in a death benefit . Unless specified in the annuity contract , Fees may apply .

Guarantees are based on the financial strength and claims-paying ability of the insurance company . No information presented today should be acted upon without meeting with a qualified and licensed professional . Obviously , by calling us now , you are just taking the first step towards protecting your retirement .

It's important that you read all insurance contract disclosures carefully before making a purchase decision . Rates and returns mentioned on this program are subject to change without notice .