What Do I Do Right Now? New Book Looks at Money and Retirement at Any Age

No one wants to be broke. No one racks up debt on purpose because they enjoy paying double for something as the interest they accumulate continues to add up. I’ve never met someone who enjoys struggling because of money issues. But then why do so many Americans live like this? I believe it’s because they simply don’t know any other way. What do you look for when applying for a credit card? How do you live without a car payment? How is it possible to save money when you’re paying a mortgage, bills and for your children’s extra-curricular activities?

Most people don’t know how to handle money correctly. And they need help.

There’s no shame in this. I didn’t come from money. I grew up poor. “Financial advisor” was a foreign word for me too. It wasn’t until I got my first job at a bank that I started to understand money, how to save and what that savings would do for me. And I became passionate about sharing these “secrets” with others. In fact, that’s why I do what I do today. And it’s why I’ve published my newest book, “18 to 80: A Simple and Practical Guide to Money and Retirement for All Ages.”

Think about it: What if you knew in advance the money decisions you would face this year and next year. And better yet, how to make the right choice? This is what I’m hoping this new guide is able to provide for people.

After working with thousands of folks during the past two decades and helping them with their money, I authored this book specifically designed as a money playbook for the middle class. And I’m excited to say, after officially being released on Oct. 16, this three-generation book is now available to the public.

I’m also proud to share that “18 to 80” is one of the few financial books endorsed by financial guru Dave Ramsey, one of the most well-known voices on finance and money.

Grab a copy of “18 to 80” today and see what people are saying about this new financial playbook.

The concept for this book is simple: When it comes to money and setting yourself up for financial success in the future, there are key things to look for at different points in your life. “18 to 80” focuses on these elements on a year-by-year basis in short, two- to three-page chapters, so the advice is tangible and easy to follow.

For example, what you look for while you’re accumulating wealth is different than what you need to think about when you enter retirement. Focuses change again once you enter the golden years of life.

Believe it or not, there’s something you can do as early as age 18 to start planning for a comfortable future. And there’s still little things you can do at age 78 that will help ensure you leave a legacy when you’re gone.

This book allows you to jump straight to your current age, or look back to see if you’re on track. My hope is that young people also pick up a copy of this book, because, although you are not obligated to start saving and planning at an early age, if you do, you have a better chance at PIVOT-ing into a comfortable retirement.


Years 18 to 59 are typically the preparing years; the time you spend working and planning for a retirement you’d like to live. Depending on what point you are at in this period of time, concerns include things like the money side of marriage, the cost of having children, planning for kids’ college, taxes, home improvements and finally, how to tell your boss that you’re ready to retire. Money can be overwhelming, but if you focus on one action item a year, it can eliminate some of the big-picture stress.


The next phase is life is the PIVOT-ing years; the time you spend pivoting into retirement and adjusting to a new life without mandatory work requirements. This typically happens between ages 60 and 64. Concerns change to things like Social Security and Medicare.

Making the right decisions during this time in life is just as important as accumulating your wealth, as small mistakes when deciding to retire can make a big difference on how you get to live in retirement.


Between ages 65 and 80-plus is what I call the “purpose” years, when your focus is estate planning, simplifying life and settling up debts. There are certain tasks that should come to the forefront to get you on the right path to happiness and help ensure you are able to leave the legacy you intended to.

If you are younger and part of the sandwich generation (caring for both your own children and your parents), you may want to share these tips with your parents.

The Reason Why Money is So Important

Money isn’t the most important thing in life, but when money is mismanaged, misplaced or misunderstood, it is often a catalyst for divorce, broken relationships and poverty.

My interest in money is because of the way it impacts families in the community. I want to help others make a few adjustments to their current money approach. The purpose of “18 to 80” is to help minimize middle-class money mistakes that result from being influenced by politicians, Pinterest and prime-time television. Today, our middle-class money is ridiculously manipulated by the outside world. And I say enough is enough! It’s time to stiff-arm the pressure and take back control.

PAX Financial Group does not receive compensation from the sale of 18 to 80. All proceeds go to the author and book publisher respectfully.

This material is provided by PAX Financial Group, LLC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. The information herein has been derived from sources believed to be accurate. Please note: Investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results.

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