Are you ready for retirement? Chris Hogan, author of the best-selling book "Retire Inspired," and a member of the Ramsey Solutions team is passionate about inspiring people to achieve their best retirement. The challenges are huge. According to a recent survey by GoBankingRates, fully a third of Americans have no savings for retirement at all and 23 percent have saved less than 10 percent. Hogan says if you haven't gotten started, it's time to get serious about retirement. The good news? Hogan says it's never too late to get started.

Here are the takeaways:

#1) First things first, you can't count on Social Security. According to Hogan, "Government's not going to save the day, we have to pave the way." In other words, start thinking about how you can be more self-sufficient in retirement just in case our elected officials in Washington decide to change Social Security funding or taxes related to retirement savings.

#2) If the idea of making investment choices on your own sends a chill up your spine, no problem. Just as you wouldn't operate on yourself, so you should think about hiring a pro to manage your retirement money, he says. As a general rule of thumb, he suggests that investment fees should be less than one percent.

#3) Wondering what your target should be? How much to save? Hogan suggests checking out his retirement calculator at his website, www.chrishogan360.com.

Looking for some fresh inspiration to getting to your retirement goals? Chris Hogan's got your back.  Take a listen!

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Bottom line, I want to hear from you - what money issues do you want to explore? Tell me, and we will get it on the podcast. Have a great day and remember, Rich is NOT A Four Letter Word!

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