You're listening to The Hidden Lightness on America Out Loud Talk Radio.

I'm your host, Jimmy Hinton.

Well, off to happier things today.

And, well, maybe not for some people.

But we're going to talk about a subject that we talk about often on this show, and that is personal finances.

And the reason is it's critically important that we get our ducks in a row.

When it comes to finances, there are a lot of things that we can and need to be doing in order to keep our house in order.

And there are too many Americans right now who struggle going into retirement, and the solution is actually a lot easier than what people imagine.

It's not a get rich quick scheme it's not playing the lottery and and

winning the lottery and and hitting it just right it's not about winning the

the raffle and getting the the new appliances that that you only put 10 bucks in

for and you want a refrigerator. It's nothing like that.

And it boils down to one thing that Americans are not yet good at.

And that is discipline.

That is all it boils down to.

Discipline and a little bit of knowledge.

You don't have to have tremendous knowledge. You don't have to be a of knowledge. You don't have to have tremendous knowledge.

You don't have to be a financial guru.

You don't have to be good at math.

This is a little bit of an inside scoop here, but I'm terrible at math.

I don't like math.

I probably could be okay at it, but I just, I never liked it. From the time

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