Tom Hegna – Greatest Retirement Asset



Please visit Tom Hegna here:

This quote is but one of many I found on Tom Hegna:

“Few people have a multi-billion dollar impact on a company or an industry. Tom is one of those people.Tom has an unbridled passion for retirement income. This passion is contagious and motivates agents to action. His ideas are simple, yet sophisticated. He resonates with the newest agents and most experienced agents alike. Very few people have the ability to light up a room like Tom does.”


I first found Mr. Hegna on Youtube.  I have been a follower ever since. If you care about how many assets you can fall back on when you retire (or when things go south) I would heed what Mr. Hegna has to say.

I am NOT the creator of Mr. Hegna’s material nor contributor, nor author of any kind. I am simply re-blogging it as a courtesy to my readers.

Note: If you are the owner of the of any of the information on this post and you want me to remove it please inform me and I will do so immediately.


What’s Your Greatest Retirement Asset? (Clue: It’s Something Most Of You Won’t Think Of)

The surprising truth about your social security benefit and how to make the most of it.

Let me ask you what many may think is a trick question. What is the largest retirement asset that most Americans have?

Is it:

  1. Their Corporate Pension
  2. Their 401(k)?
  3. Their home?
  4. Their Social Security benefit?

Most people think your 401(k).


The truth is that the largest retirement asset that most Americans have is actually their Social Security benefit.


Social Security was established in 1935 to alleviate poverty among the elderly during the Great Depression. Today, millions of Americans rely on Social Security, and, for many, it is their primary source of retirement income.


While most people have thought for years that the biggest purchase you will ever make is your home – and it very well may be – and the largest amount of savings you may have could quite likely be found in your 401(k), the truth is that the answer to the question about the largest retirement asset that most Americans have is actually their Social Security benefit.

If you are single and you’ve worked for 30 years, depending on how much you’ve contributed, your lifetime Social Security benefit could be worth more than $400,000. If you’re married, your combined lifetime benefit could be worth in excess of $1 million and even more if you use certain Social Security benefit maximization strategies.

Just how big is the Social Security program? Much bigger than most people might imagine.

Unfortunately, there are many Americans who don’t take advantage of maximizing their Social Security benefits and, in the process, end up losing access to hundreds of thousands of dollars. This is why our second step to retirement security is maximizing your Social Security benefits.

The process of maximizing, or increasing, your Social Security benefit involves timing. To fully maximize your benefit, you must consider the appropriate start date to begin receiving your retirement payout so that you and your family can get the largest possible amount of lifetime income benefits.

There are also benefits that some people may never even have known existed and are eligible for. Did you know that you can claim benefits on an ex-spouse? Or, that if you are a widow, you can claim benefits as early as age 60?


In Don’t Worry Retire Happy I go into greater depth as to how to use maximization strategies, and the kinds of benefits that are available to you through the social security program that could see even more paper in your pocket.

So stick with me and I’ll show you how to do this!


For more information, view my whitepaper Social Security – Maximizing Your Benefits


Dr Andrew Saul


I just started following Dr. Andrew Saul. He runs a site called “Doctor Yourself”. He also runs a very popular vitamin webinar course. If you are interested in being healthy, having better health you might want to check out his site and learn how you can be more pro-active and help yourself. The following is from his about page at

About Dr. Andrew Saul

He is editor of the award-winning book The Orthomolecular Treatment of Chronic Disease.
Saul’s books have been translated into many languages including four in Spanish.  In South America, a number of native rainforest tribes are now megadosing with vitamin C due to his guidance. The result is that these peoples’ miscarriage and infant mortality rates have plummeted.


Andrew Saul is on the editorial board of the Journal of Orthomolecular Medicine and is Editor-in-Chief of the peer-reviewed Orthomolecular Medicine News Service. He is also a member of the board of theJapanese College of Intravenous Therapy. He was on the faculty of the State University of New York for nine years, and taught nutrition, health science and cell biology at the college level. Saul has studied in Africa and Australia, holds three state certificates in science education, and has twice won New York Empire State Fellowships for teaching. Saul has a reputation for his knowledge of clinical nutrition. For a list of over 175 of his publications, with online links to most of them: .

Andrew Saul was inducted into the Orthomolecular Medicine Hall of Fame in 2013. He has been awarded the Citizens for Health Outstanding Health Freedom Activist Award, was named one of seven natural health pioneers by Psychology Today, and is featured in the movie FoodMatters.


Alternately considered by his students to be either the worst or the best professor they’ve ever had, Andrew Saul is easily the most unusual. Critics might say that whether this man is brilliant and insightful, or just a health nut leading fools down the garden path, is a matter of some controversy. Indeed, there are health professionals who would like Saul silenced along with the horse he rode in on. Saul is the scourge of scientists, because he is a biologist himself. He is anathema to many a food-groups dietitian, perhaps because he taught graduate-level clinical nutrition for years. Medical doctors will no longer debate him, probably because of his four decades of experience helping their problem patients get better. And while he gave far too many quizzes for his college students to like him, his experience as an insider in higher education takes the pomposity out of many a pharmaphilic academian.


Perhaps what really makes this man dangerous is that he won’t shut up and go away.


Saul says, “Medical doctors ignore vitamin research, claiming it isn’t science. They also typically ignore case histories, saying it isn’t research. So why not take the information directly to the people, and let them decide for themselves?”



Contact information will be found at

(To order Andrew Saul’s books, click here .)



Happy Holidays 2015!


*Please Note: This Post has been updated.

Well how was your summer and fall 2015? I spent all those months trying to get better. I have spent a great deal of time with medical doctors and have discovered they can’t help me at all. I went from bad to worse. My biggest problem is high blood pressure. I have an excellent diet, don’t eat junk, lots of fruits and vegetables. A complete mystery to me why I could not get it under control. In desperation I hit Youtube. What I found shocked me so much I could barely speak. I have always known in the back of my mind that the medical profession couldn’t help me. (Not because they don’t know what they are doing, but because I just always seemed to be a “special” case. )  Anyway I did a lot of research and found some very shocking statistics (whether they are really true or not I do not know! Please defer to your medical professional.)

Here are the statistics I found:

  1. The brain apparently needs cholesterol and Alzheimer’s is on the rise with showing no signs of abating. If this is true and the average middle-aged person and elderly person is taking cholesterol lowering drugs, what could this mean?
  2. The average year of birth  of white men who died is getting younger and younger, some articles said year of birth 1948.   Why? (

As a result of my research I discovered a Dr. Joel Wallach and his colleague Dr. Peter Glidden. The information they shared was truly eye-opening. They presented the state of health of the American public in ways that I had never considered.  If you would like to check them out please Google them or go to Youtube. I had more specific info but due to copyright issues I had to delete some potentially libelous data.  *Speaking out is one thing but violating laws is quite another and I have every intention of not violating any laws!

Fat Burning Detox Drink

apple cider vinegar drink


How To Detox

I found this Burning Detox drink on Pinterest. It reminds me of the drink I make myself every morning to help me with high blood pressure. I make mine with celery stalks and beets. The beets I buy from Trader Joes. I tried buying beets whole and cutting them up but just too messy. So I add the beets and the celery plus a splash of Apple Cider Vinegar to my Ninja and gulp it down.