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Tom Hegna shares key insights from his book *Who Wants To Be A Millionaire*, emphasizing smart financial habits for building wealth and securing retirement income. He highlights the importance of guarantees through annuities and life insurance, warns about rising national debt and future tax increases, and advocates for tax-free retirement strategies like Roth conversions. Hegna also stresses the need to work with knowledgeable financial professionals who understand both wealth accumulation and retirement planning.

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